|
5827609
|
2022-07-31
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Tags |
Older American
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Sherloq Group, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
I do not know
|
| Date Received |
2022-07-31
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-08-26
|
| Complaint What Happened |
I was contacted by a collection agency by phone for a debt I did not make and for which I know nothing about. I told them I do not owe any debt and never lived at the apartment in question. I explained that I have been living out of the state of Florida for most of the past XXXX years and that I just returned to Florida in XXXX, XXXX due to medical issues. In fact, I was living in Maryland from late XXXX, XXXX to XX/XX/XXXX. Several days later, I received a letter requesting payment for the same apartment. I am in recovery at present due to medical issues and this matter is distressing to me and causing detriment to my recovery. I informed the agency that my identity had been stolen.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1150388
|
2014-12-10
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Sherloq Group, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
Medical
|
| Date Received |
2014-12-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-12-10
|
| Consumer Consent Provided |
N/A
|
|
|
2920990
|
2018-05-29
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Sherloq Group, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Other debt
|
| Date Received |
2018-05-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-05-29
|
| Complaint What Happened |
On XXXX XX/XX/XXXX I received a Collection Notice from XXXX XXXX XXXX ( " XXXX '' ) alleging I owe {$32.00}. On XXXX XX/XX/XXXX I responded to XXXX via USPS Certified Mail ( XXXX XXXX XXXX XXXX XXXX ) by sending a Debt Validation Letter. XXXX never responded to my letter ( USPS confirms delivery ). The validation letter disputed the in writing ; the amount of the debt, the creditor to whom the debt is owed, a statement disputing the validity of the entire debt, and a request for the name and address of the original creditor. XXXX failed to respond to the validation request. Now, one year later, SHERLOQ Financial ( " SQ '' ) is attempting to collect on the same debt XXXX attempted to collect on. However, SQ is estopped from collecting on the debt because the debt was never validated by XXXX. Therefore, XXXX is unable to sell, convey or transfer " collectable '' debt when XXXX failed to validate the debt pursuant to a Debt Validation request under the Fair Debt Collection Practices Act. In an abundance of caution I have sent via USPS certified mail a Debt Validation letter to SQ. SQ is collecting on an uncollectible debt- conveyed to SQ by a company with knowledge the debt is uncollectible and unvalidated. The shell game played by XXXX and SQ continues to cost me time and postage. Please put a stop to this egregious abuse of the FDCPA. Moreover, I disputed this alleged debt with the original creditor and received no response. The alleged debt was first disputed with the original creditor, again disputed with a debt collector, XXXX, and now a third time with another debt collector, SQ.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2406901
|
2017-03-28
|
Incorrect information on credit report
|
Credit reporting
|
|
| Issue |
Incorrect information on credit report
|
| Timely |
Yes
|
| Company |
Sherloq Group, Inc
|
| Product |
Credit reporting
|
| Sub Issue |
Account terms
|
| Date Received |
2017-03-28
|
| Submitted Via |
Web
|
| Company Response |
Closed
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2017-03-29
|
| 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 disputed these accounts with Merchants Association Collection ( see attached letter ). To date, this collection agency is yet to provide me substantial documentation to support my owing them. I have requested copies of all documents sent to me regarding these accounts as well as papers that show I agreed to pay them what they say I owe and that the documents bear my original signature. I have never heard of this company. This erroneous, inaccurate, unverifiable account must be removed from my reports immediately.
|
| Consumer Consent Provided |
Consent provided
|
|
|
742944
|
2014-03-04
|
Disclosure verification of debt
|
Debt collection
|
|
| Issue |
Disclosure verification of debt
|
| Timely |
Yes
|
| Company |
Sherloq Group, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Not given enough info to verify debt
|
| Sub Product |
I do not know
|
| Date Received |
2014-03-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-04-05
|
| Consumer Consent Provided |
N/A
|
|
|
1829705
|
2016-03-12
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Sherloq Group, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2016-03-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-03-12
|
| Complaint What Happened |
I am disputing this charge, invoice from XXXX XXXX in the amount of {$90.00}.
Several months back I contacted XXXX XXXX to service XXXX my AC units. The service call amount was waived because a new unit was needed. I called XXXX XXXX several times for a quote on a new unit. After a few days I contacted another Vendor that did a service call the same day and sent a sales person that afternoon. After a few hours of negotiating we agreed on a priced and I had a new unit installed and working the following day.
I contacted XXXX when I received a bill and informed them of my dispute. They refused to acknowledge that they had neglected to follow up with me but actually became aggressive.
|
| Consumer Consent Provided |
Consent provided
|
|
|
489500
|
2013-08-14
|
Disclosure verification of debt
|
Debt collection
|
|
| Issue |
Disclosure verification of debt
|
| Timely |
Yes
|
| Company |
Sherloq Group, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Not given enough info to verify debt
|
| Sub Product |
Medical
|
| Date Received |
2013-08-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2013-08-30
|
| Consumer Consent Provided |
N/A
|
|
|
2218177
|
2016-11-21
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Sherloq Group, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
I do not know
|
| Date Received |
2016-11-21
|
| Submitted Via |
Web
|
| Company Response |
Closed
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2017-02-11
|
| 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
|
|
|
5951412
|
2022-09-05
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Sherloq Group, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Medical debt
|
| Date Received |
2022-09-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-09-05
|
| Complaint What Happened |
My insurance did not go through due to the fact that I had a insurance through my college and my dads insurance as well. The schools insurance was the primary for some reason when my Dads should have been. We fixed this issue over the phone however it seems that it has not fixed and I am getting letters for debt when I believe I should not be.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2355072
|
2017-02-22
|
Disclosure verification of debt
|
Debt collection
|
|
| Issue |
Disclosure verification of debt
|
| Timely |
Yes
|
| Company |
Sherloq Group, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Not given enough info to verify debt
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2017-02-22
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2017-02-27
|
| 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
|
|
|
2130505
|
2016-09-26
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Sherloq Group, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Medical
|
| Date Received |
2016-09-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2016-09-26
|
| Consumer Consent Provided |
Consent not provided
|
|
|
9878826
|
2024-08-21
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Sherloq Group, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Medical debt
|
| Date Received |
2024-08-21
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-08-21
|
| Consumer Consent Provided |
N/A
|
|
|
2097996
|
2016-09-06
|
Improper contact or sharing of info
|
Debt collection
|
|
| Issue |
Improper contact or sharing of info
|
| Timely |
No
|
| Company |
Sherloq Group, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Talked to a third party about my debt
|
| Sub Product |
Medical
|
| Date Received |
2016-09-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-09-09
|
| Complaint What Happened |
I have asked for proof of this debt twice and have been ignored by : Merchants Association Collection Division, INC.
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Amount of debt : {$520.00} Date of Service : XXXX/XXXX/XXXX Provider of Service : XXXX XXXX XXXX To Whom It May Concern, I received a bill from you on XXXX/XXXX/XXXX and as allowable under the Fair Debt Collections Practices Act, I am requesting validation of the alleged debt. I am unaware of the amount due and your bill does not include a detailed breakdown of any fees.
Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of XX/XX/XXXX ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges - Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, of which I am allowed under the FDCPA.
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt.
Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent.
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail.
Kind regards,
|
| Consumer Consent Provided |
Consent provided
|
|
|
8059903
|
2023-12-26
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Sherloq Group, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Used obscene, profane, or other abusive language
|
| Sub Product |
Rental debt
|
| Date Received |
2023-12-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-12-26
|
| Consumer Consent Provided |
Consent not provided
|
|
|
893391
|
2014-06-13
|
Disclosure verification of debt
|
Debt collection
|
|
| Tags |
Older American
|
| Issue |
Disclosure verification of debt
|
| Timely |
Yes
|
| Company |
Sherloq Group, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Not disclosed as an attempt to collect
|
| Sub Product |
Medical
|
| Date Received |
2014-06-13
|
| Submitted Via |
Postal mail
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-06-17
|
| Consumer Consent Provided |
N/A
|
|
|
488685
|
2013-08-13
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Sherloq Group, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
Medical
|
| Date Received |
2013-08-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2013-08-30
|
| Consumer Consent Provided |
N/A
|
|
|
2678037
|
2017-09-19
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Sherloq Group, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Medical debt
|
| Date Received |
2017-09-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-09-19
|
| 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
|
|
|
693094
|
2014-01-30
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Sherloq Group, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
I do not know
|
| Date Received |
2014-01-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-01-30
|
| Consumer Consent Provided |
N/A
|
|
|
743738
|
2014-03-05
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Sherloq Group, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
Medical
|
| Date Received |
2014-03-05
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-04-05
|
| Consumer Consent Provided |
N/A
|
|
|
1396467
|
2015-05-28
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Sherloq Group, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Medical
|
| Date Received |
2015-05-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-06-01
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4781652
|
2021-10-06
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Sherloq Group, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
|
| Sub Product |
I do not know
|
| Date Received |
2021-10-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-10-06
|
| Consumer Consent Provided |
Consent not provided
|
|
|
646917
|
2013-12-28
|
Disclosure verification of debt
|
Debt collection
|
|
| Issue |
Disclosure verification of debt
|
| Timely |
Yes
|
| Company |
Sherloq Group, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Not disclosed as an attempt to collect
|
| Sub Product |
Medical
|
| Date Received |
2013-12-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2013-12-31
|
| Consumer Consent Provided |
N/A
|
|
|
7493374
|
2023-09-04
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Sherloq Group, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Medical debt
|
| Date Received |
2023-09-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-09-04
|
| Consumer Consent Provided |
Consent not provided
|
|
|
1220029
|
2015-02-02
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Sherloq Group, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Auto
|
| Date Received |
2015-02-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-02-23
|
| Consumer Consent Provided |
N/A
|
|
|
7383602
|
2023-08-10
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Sherloq Group, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Medical debt
|
| Date Received |
2023-08-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-08-10
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2909163
|
2018-05-16
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Sherloq Group, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive notice of right to dispute
|
| Sub Product |
Other debt
|
| Date Received |
2018-05-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-05-16
|
| Consumer Consent Provided |
Consent not provided
|
|
|
767911
|
2014-03-14
|
Disclosure verification of debt
|
Debt collection
|
|
| Tags |
Older American
|
| Issue |
Disclosure verification of debt
|
| Timely |
Yes
|
| Company |
Sherloq Group, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Not disclosed as an attempt to collect
|
| Sub Product |
Medical
|
| Date Received |
2014-03-14
|
| Submitted Via |
Postal mail
|
| Company Response |
Closed with monetary relief
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-04-05
|
| Consumer Consent Provided |
N/A
|
|
|
2882082
|
2018-04-20
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Sherloq Group, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Credit card debt
|
| Date Received |
2018-04-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-04-20
|
| 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
|
|
|
853310
|
2014-05-14
|
Disclosure verification of debt
|
Debt collection
|
|
| Issue |
Disclosure verification of debt
|
| Timely |
Yes
|
| Company |
Sherloq Group, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Not given enough info to verify debt
|
| Sub Product |
Medical
|
| Date Received |
2014-05-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2014-05-14
|
| Consumer Consent Provided |
N/A
|
|
|
1160808
|
2014-12-17
|
Disclosure verification of debt
|
Debt collection
|
|
| Issue |
Disclosure verification of debt
|
| Timely |
Yes
|
| Company |
Sherloq Group, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Not disclosed as an attempt to collect
|
| Sub Product |
Medical
|
| Date Received |
2014-12-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-12-17
|
| Consumer Consent Provided |
N/A
|
|
|
1810723
|
2016-03-01
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Sherloq Group, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
Medical
|
| Date Received |
2016-03-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-03-01
|
| Consumer Consent Provided |
Consent not provided
|
|
