|
11502107
|
2025-01-13
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Shepherd Outsourcing, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2025-01-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-13
|
|
|
10409189
|
2024-10-10
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Shepherd Outsourcing, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Medical debt
|
| Date Received |
2024-10-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-11
|
| Consumer Consent Provided |
Consent not provided
|
|
|
9588355
|
2024-07-23
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
| Tags |
Servicemember
|
| Issue |
Problem with a company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Shepherd Outsourcing, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-07-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-07-25
|
| Complaint What Happened |
I have been a victim of ID theft. As a result there were accounts opened in my name. There was information changed in my name, addresses, phone numbers, emails, etc. None of which were mine. I provided to the creditors and the credit bureaus proof of my residence for 4 years, copy of my Drivers License with that same address. Social Security Card, Police report with the account listed, FTC report with the account listed. I offered to sign an affidavit etc.
I reached out to XXXX XXXX. They refuse to provide me proof that this account was opened by me. No supporting documents, application, nothing other than a standard " we believe this is your account '' see email. That is NOT proof of this account being mine. under FCRA they HAVE to provide proof of debt. Just saying " here is a statement and it's yours '' is not valid under the law. They then attempted to sell this to an outside collection agency. Also against the law. And once again I am getting the run around and victimized by the credit bureau and the creditor repeatedly.
|
| Consumer Consent Provided |
Consent provided
|
|
|
9628384
|
2024-07-26
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Shepherd Outsourcing, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Medical debt
|
| Date Received |
2024-07-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-07-26
|
| Complaint What Happened |
Billing Date : XX/XX/XXXX Amount : {$370.00} Debt Collector : Shepherd Outsourcing I began receiving calls from Shepherd Outsourcing recently. They informed me that I owed {$370.00}, but I have never heard of this amount before, nor have I been notified of this specific bill from XXXX XXXX XXXX XXXX. They claimed that I " opted out '' of communication in XXXX with another debt collector but couldn't tell me which debt collector that was. According to them, this opt-out is the reason I was never notified of the bill.
I asked if they could email me a copy of the bill along with a breakdown of the charges, but they refused. Additionally, I have a separate bill from XXXX XXXX 's for around {$6700.00} that I am working on with my insurance. The hospital mistakenly billed me as uninsured when I was, in fact, insured. I have been aware of this larger bill and have contacted my insurance to submit a waiver for past timely filing to XXXX.
When speaking with Shepherd Outsourcing, they asked for my bank account information, which I provided. I assumed the {$370.00} was the amount due after my insurance paid a portion of the {$6700.00} bill. However, after speaking with XXXX, I discovered this was not the case. Shepherd Outsourcing misled me into providing my bank information by making me believe the {$370.00} was related to the insurance adjustment.
I called Shepherd Outsourcing back to dispute the {$370.00} amount, but they refused. They said I had already agreed to pay the amount, and despite my repeated requests for proof, they couldn't provide any. They couldn't tell me who the original or previous debt collectors were and couldn't verify that I actually owed this amount, thus denying me the opportunity to dispute it.
|
| Consumer Consent Provided |
Consent provided
|
|
|
9180946
|
2024-06-05
|
Electronic communications
|
Debt collection
|
|
| Issue |
Electronic communications
|
| Timely |
Yes
|
| Company |
Shepherd Outsourcing, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Frequent or repeated messages
|
| Sub Product |
I do not know
|
| Date Received |
2024-06-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-06-05
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11834403
|
2025-01-29
|
Threatened to contact someone or share information improperly
|
Debt collection
|
|
| Issue |
Threatened to contact someone or share information improperly
|
| Timely |
Yes
|
| Company |
Shepherd Outsourcing, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Talked to a third-party about your debt
|
| Sub Product |
Credit card debt
|
| Date Received |
2025-01-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-29
|
|
|
11993379
|
2025-02-07
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Shepherd Outsourcing, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-02-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-02-07
|
|
|
12170042
|
2025-02-21
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Shepherd Outsourcing, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Frequent or repeated calls
|
| Sub Product |
I do not know
|
| Date Received |
2025-02-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-02-21
|
|
|
12580380
|
2025-03-20
|
Electronic communications
|
Debt collection
|
|
| Tags |
Older American
|
| Issue |
Electronic communications
|
| Timely |
Yes
|
| Company |
Shepherd Outsourcing, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Frequent or repeated messages
|
| Sub Product |
Credit card debt
|
| Date Received |
2025-03-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-03-20
|
|
|
12613724
|
2025-03-22
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Shepherd Outsourcing, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Credit card debt
|
| Date Received |
2025-03-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-03-22
|
|
