|
10318374
|
2024-10-03
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
P.S.C., Inc
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
Medical debt
|
| Date Received |
2024-10-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-03
|
| 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
|
|
|
3492177
|
2020-01-10
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Tags |
Servicemember
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
P.S.C., Inc
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information is missing that should be on the report
|
| Sub Product |
Credit reporting
|
| Date Received |
2020-01-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-01-10
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
Original Creditor : XXXX, XXXX XXXX XX/XX/XXXX - Date THIS account 1st became past due, was written off and sent to collection agency ( I don't know where I have no record of contact from them ).
XX/XX/XXXX - Moved to Florida and have continuously updated and forwarded current addresses through USPS database from then to date.
XX/XX/XXXX - Date this account was moved to 2nd and current collection agency ( Puget Sound Collections ). Never received any sort of notification or statement.
XX/XX/XXXX - Date I began requesting credit reports from XXXX, XXXX, XXXX and PSC showing old XXXX debt erroneously as new debt opened on XX/XX/XXXX which caused extreme drop to credit scores appearing as new debt.
Contacted PSC by phone to inquire about conflicting information in report, they confirmed this was account with 1st past due in XXXX and that they got it from a previous collection agency as of XX/XX/XXXX, so that is the date that becomes the 1st past due and original report date. Disputed this as accurate and requested proof of date account 1st became delinquent and that they correctly and completely report this account as past due from the XXXX date f from original creditor.
XX/XX/XXXX - Received 1st actual statement and additional enclosed documentation that PSC stated was the response and provided by XXXX, XXXX XXXX - to include her provider office financial report ( all dates from XXXX only ) with not just dates and balances, this report included PHI I in no way conseted she could share or distribute to anyone, FULL ICD diagnosis codes with my name for each visit date some going as far as documenting XXXX next to the codes. She also chose to send even more PHI without consent to this collection agency, to include a had printed family history and information sheet I had completed that has my minor daughters names and D.O.B. and that they are treated and seen there ( for XXXX ).
XX/XX/XXXX - Sent certified receipt letter to XXXX, XXXX XXXX attached here. No response, reply or contact as of today.
- Sent PSC certified receipt letter to PSC attached here. No response, reply or contact from them as of today.
XX/XX/XXXX - Since this date have submitted disputes to XXXX, XXXX & XXXX XXXX ( x3 ) that dates are incorrect, that due to the " date reported '' line information being XX/XX/XXXX, requested removal or correction.
XX/XX/XXXX - XXXX has since deleted the account all together.
- XXXX now only shows as a number with X at end, only information in Account type, Account Status ( closed ) the balance {$1200.00}. Your comment : Medical ( not my comment at all ), Coments : MEDICAL Unpaid. No Original creditor or business name or contact information at all.
- XXXX - contacted today dispute completed and Meets all FRCA requirements and not being removed. Stated to manager that It is definitely not meting them and all other information relating to the actual date the account was 1st past due missing completely the date of this debt is GROSSLY misrepresented and continues to have a profoundly negative impact it would not otherwise have this many years later. Told by manager that the Date the account 1st became past due is on his screen as XX/XX/XXXX so even though that does show up in ANY field or at all on my actual report they have done their job and it will just fall off XX/XX/XXXX. He said they dont have to put complete information or input all of the data they can see on their screen and if I have a problem with that I should make a report to you and or contact the Attorney General.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4343979
|
2021-05-02
|
False statements or representation
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
P.S.C., Inc
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
Medical debt
|
| Date Received |
2021-05-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-05-02
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
After reviewing my credit report I noticed some discrepancies. The discrepancies are being reported by Puget Sound Collections. They are reporting multiple medical collection accounts from " XXXX XXXX XXXX ''. I have never received a dunning letter from Puget Sound Collections. On XX/XX/2021 I requested Puget Sound Collections to validate the debt as I legally have that right as a consumer. As of today XXXX they did not respond, I have also followed up again on XXXX. I have never signed a HIPPA release form with XXXX XXXX XXXX. Puget Sound Collections is also illegally charging interest on the alleged medical debt. I live in Florida and Puget Sound Collections is located in XXXX, WA. Puget Sound Collections is not a licensed collection company in the state of Florida. Puget Sound Collections also has might be intentionally breaking federal interstate commerce law.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2682967
|
2017-09-24
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
P.S.C., Inc
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive notice of right to dispute
|
| Sub Product |
Medical debt
|
| Date Received |
2017-09-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-09-24
|
| 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
|
|
|
2933921
|
2018-06-12
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
P.S.C., Inc
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Other debt
|
| Date Received |
2018-06-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-06-12
|
| 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
|
|
|
8849589
|
2024-04-24
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
P.S.C., Inc
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-04-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-04-25
|
| 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
|
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