2803239
|
2018-02-05
|
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 |
TENET HEALTHCARE CORPORATION
|
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 |
2018-02-05
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2018-02-05
|
Complaint What Happened |
XXXX XXXX XXXX FOR OVER A YEAR NOW HAS BEEN REPORTING ON MY CREDIT REPORT. FILED COMPLAINT IN WRITING AS WELL ONLINE AND HAS NOT RECEIVED ANY VALIDATION ON DEBT REPORTING. THIS DEBT CONTINUES TO BE REMOVED FROM XXXX/XXXX/ XXXX THAN REPORTED AGAIN SHOWING MORE THAN ONE OF THE SAME ACCOUNT CENTRAL FINCL CONTROL HAS NOT SHOW LICENSE NUMBER NOR INFORMATION FOR COLLECTING IN MY STATE
|
Consumer Consent Provided |
Consent provided
|
|
2790534
|
2018-01-23
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
TENET HEALTHCARE CORPORATION
|
Product |
Debt collection
|
Sub Issue |
Debt was result of identity theft
|
Sub Product |
I do not know
|
Date Received |
2018-01-23
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2018-01-23
|
Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
Complaint What Happened |
TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT : XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX 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
|
|
2785605
|
2018-01-18
|
Written notification about debt
|
Debt collection
|
|
Issue |
Written notification about debt
|
Timely |
Yes
|
Company |
TENET HEALTHCARE CORPORATION
|
Product |
Debt collection
|
Sub Issue |
Didn't receive enough information to verify debt
|
Sub Product |
Medical debt
|
Date Received |
2018-01-18
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2018-01-18
|
Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
Consumer Consent Provided |
Consent not provided
|
|
2447171
|
2017-04-21
|
Disclosure verification of debt
|
Debt collection
|
|
Issue |
Disclosure verification of debt
|
Timely |
Yes
|
Company |
TENET HEALTHCARE CORPORATION
|
Product |
Debt collection
|
Sub Issue |
Right to dispute notice not received
|
Sub Product |
Medical
|
Date Received |
2017-04-21
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2017-04-21
|
Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
Consumer Consent Provided |
Consent not provided
|
|
2783591
|
2018-01-17
|
Written notification about debt
|
Debt collection
|
|
Issue |
Written notification about debt
|
Timely |
Yes
|
Company |
TENET HEALTHCARE CORPORATION
|
Product |
Debt collection
|
Sub Issue |
Didn't receive enough information to verify debt
|
Sub Product |
Medical debt
|
Date Received |
2018-01-17
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2018-01-17
|
Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
Complaint What Happened |
Ive made one attempt to dispute my debt, due to financial strain. I was informed that only one of my bills could be lowered and the other would stay the same and would need to be paid immediately. I was told that if I am unable to pay immediately the chance of getting my bill lowered to the same price would be unlikely. Im unfortunately still finincial unstable and paying those prices upfront isnt possible for me at this time. I would appreciate it if my bills were lowered and/or forgiven.
|
Consumer Consent Provided |
Consent provided
|
|
2085455
|
2016-08-29
|
Communication tactics
|
Debt collection
|
|
Issue |
Communication tactics
|
Timely |
Yes
|
Company |
TENET HEALTHCARE CORPORATION
|
Product |
Debt collection
|
Sub Issue |
Frequent or repeated calls
|
Sub Product |
Medical
|
Date Received |
2016-08-29
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2016-09-01
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Complaint What Happened |
they do n't have a number to contact them by. Google them and the company is out of business? Can not find anything else on this one please help!!!!!
Thank you,
|
Consumer Consent Provided |
Consent provided
|
|
2690245
|
2017-10-02
|
Written notification about debt
|
Debt collection
|
|
Issue |
Written notification about debt
|
Timely |
Yes
|
Company |
TENET HEALTHCARE CORPORATION
|
Product |
Debt collection
|
Sub Issue |
Didn't receive enough information to verify debt
|
Sub Product |
I do not know
|
Date Received |
2017-10-02
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2017-10-02
|
Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
Consumer Consent Provided |
Consent not provided
|
|
2689959
|
2017-10-02
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
Issue |
Incorrect information on your report
|
Timely |
Yes
|
Company |
TENET HEALTHCARE CORPORATION
|
Product |
Credit reporting, credit repair services, or other personal consumer reports
|
Sub Issue |
Information belongs to someone else
|
Sub Product |
Credit reporting
|
Date Received |
2017-10-02
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2017-10-02
|
Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
Complaint What Happened |
I am not a robot, I am no credit repair company, I am a human being please assure I am not given a generated code from the computer with this investigation thank you.
To whom it may concern this credit breach has bought to my attention that over the past couple years that these accounts were fraudulently open without my knowledge. I am in total shock, depressed and more so XXXX off for the most part that I didnt receive any alerts over the years. To my knowledge I was never contacted or I never gave any one consent to open up any accounts on my credit. Ive mailed over several certified letters and I havent gotten any responses in more than 180 days. I have contacted the state attorneys office and I have filed papers looking to take legal actions because I was never contacted by no one. By law someone must contact me and get consent from me in order to open any accounts on my credit file. If I am not contacted then either the individual that used my identity nor the creditor has the authority to override any consent on behalf of my name or identity. I would like to know the steps that are taken to verify a consumer? By law it states you must verify correctly 100 % before an account can be placed on a credit profile. It puts the creditor at fault and several FCRA laws has been broken in this case. I have contacted my lawyer as if yesterday and we are taking legal actions considering what response we receive and the outcome of this situation. If this isnt fixed or I dont receive a response I will have my lawyer file legal documents immediately following this message response. I also contacted FTC & BBB. I am allowing 5 days to come clean and remove the accounts. Please look at the attached photos.
Thank you for your time.
|
Consumer Consent Provided |
Consent provided
|
|
2137698
|
2016-09-30
|
Disclosure verification of debt
|
Debt collection
|
|
Issue |
Disclosure verification of debt
|
Timely |
Yes
|
Company |
TENET HEALTHCARE CORPORATION
|
Product |
Debt collection
|
Sub Issue |
Right to dispute notice not received
|
Sub Product |
Medical
|
Date Received |
2016-09-30
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2016-09-30
|
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
|
|
2770737
|
2018-01-03
|
Written notification about debt
|
Debt collection
|
|
Issue |
Written notification about debt
|
Timely |
Yes
|
Company |
TENET HEALTHCARE CORPORATION
|
Product |
Debt collection
|
Sub Issue |
Didn't receive enough information to verify debt
|
Sub Product |
Other debt
|
Date Received |
2018-01-03
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2018-01-03
|
Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
Consumer Consent Provided |
Consent not provided
|
|
2440027
|
2017-04-18
|
Credit reporting company's investigation
|
Credit reporting
|
|
Issue |
Credit reporting company's investigation
|
Timely |
Yes
|
Company |
TENET HEALTHCARE CORPORATION
|
Product |
Credit reporting
|
Sub Issue |
Problem with statement of dispute
|
Date Received |
2017-04-18
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2017-04-18
|
Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
Consumer Consent Provided |
Consent not provided
|
|
2720733
|
2017-11-04
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
TENET HEALTHCARE CORPORATION
|
Product |
Debt collection
|
Sub Issue |
Debt was paid
|
Sub Product |
Medical debt
|
Date Received |
2017-11-04
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2017-11-04
|
Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
Complaint What Happened |
This should not be on my credit report and is inaccurate. My personal health insurance company paid for this service, in addition, I made a payment as part of my co-pay.
I 'm also reading that " Syndicated Office Systems ( file number XXXX ) '' has a history of not handling consumer credit reporting disputes.
|
Consumer Consent Provided |
Consent provided
|
|
2798898
|
2018-01-30
|
Attempts to collect debt not owed
|
Debt collection
|
|
Tags |
Servicemember
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
TENET HEALTHCARE CORPORATION
|
Product |
Debt collection
|
Sub Issue |
Debt was paid
|
Sub Product |
Medical debt
|
Date Received |
2018-01-30
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2018-01-30
|
Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
Complaint What Happened |
Debt with XXXX XXXX Was paid off XX/XX/ payment was XXXX.
Still shows up on my credit report after being told it would be taken off.
|
Consumer Consent Provided |
Consent provided
|
|
2795570
|
2018-01-27
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
TENET HEALTHCARE CORPORATION
|
Product |
Debt collection
|
Sub Issue |
Debt is not yours
|
Sub Product |
Medical debt
|
Date Received |
2018-01-27
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2018-01-27
|
Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
Complaint What Happened |
Opened : XX/XX/2014 ( 3 yrs, 9 mos ) Amount : {$550.00} Account status : Open Original Creditor Name : XXXX XXXX XXXX Wait! This is the same debt that XXXX XXXX is attempted to collect on XXXX. You know what I'll re-dispute XXXX XXXX today also so CFPB can see what you guys are doing is totally devastating people 's financial life. That's terrible!
I did went to the XXXX XXXX XXXX and When I got there, a XXXX whom were in training poked me 4 times to get my XXXX and he was doing it wrong. I refused to let them do it the 5th time due to their lack of knowledge of how to place the XXXX, it was so hurt. I said that I'll go home, they signed me a document that I refused to get treated, and I went home without seeing a doctor. It was my last time there. They can not charge me because I did not get any service from them. Please I need this report off my report. Go back to XXXX to investigate because I don't owe them nothing. Thanks
|
Consumer Consent Provided |
Consent provided
|
|
2795341
|
2018-01-27
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
TENET HEALTHCARE CORPORATION
|
Product |
Debt collection
|
Sub Issue |
Debt is not yours
|
Sub Product |
Medical debt
|
Date Received |
2018-01-27
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2018-01-27
|
Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
Complaint What Happened |
Debt Collector : XXXX XXXX XXXX Opened : XX/XX/2014 ( 3 yrs, 9 mos ) Account status : Open Original Creditor Name : XXXX XXXX XXXX I did went to the XXXX XXXX XXXX and When I got there, a XXXX whom were in training poked me 4 times to get my XXXX and he was doing it wrong. I refused to let them do it the 5th time due to their lack of knowledge of how to place the XXXX, it was so hurt. I said that I'll go home, they signed me a document that I refused to get treated, and I went home without seeing a doctor. It was my last time there. They can not charge me because I did not get any service from them. Please I need this report off my report. Go back to XXXX to investigate because I don't owe them nothing. Thanks
|
Consumer Consent Provided |
Consent provided
|
|
2074684
|
2016-08-22
|
Communication tactics
|
Debt collection
|
|
Tags |
Older American
|
Issue |
Communication tactics
|
Timely |
Yes
|
Company |
TENET HEALTHCARE CORPORATION
|
Product |
Debt collection
|
Sub Issue |
Threatened to take legal action
|
Sub Product |
Medical
|
Date Received |
2016-08-22
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2016-08-24
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Complaint What Happened |
We have been making payments to the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX. Last payment was made XXXX/XXXX/2016 for {$150.00} on check # XXXX. We received a notification from Central Financial Control a Debt Collection Agency for the balance of {$260.00}! Central Financial Control has the same mailing address XXXX XXXX, XXXX, AL XXXX. THIS IS THE SAME COMPANY COLLECTING FOR XXXX XXXX XXXX XXXX and using the tactic that they are collecting a bad debt when there is n't any. When contacting Central Financial Control regarding this, they said the account would be considered past due unless we signed up for a monthly payment plan. Central Financial Control is fraudulently implying that the only way we can pay this debt is through a monthly plan, and that this is considered to be a bad debt, even though it 's been paid regularly. This is FRAUD and DECEPTION. When we requested that XXXX XXXX XXXX XXXX send us an updated bill, the woman XXXX employee number XXXX or XXXX stated that the only way we could get a XXXX XXXX XXXX XXXX bill was by signing up for a monthly plan.
|
Consumer Consent Provided |
Consent provided
|
|
2568148
|
2017-07-06
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
TENET HEALTHCARE CORPORATION
|
Product |
Debt collection
|
Sub Issue |
Debt was paid
|
Sub Product |
Medical debt
|
Date Received |
2017-07-06
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2017-07-06
|
Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
Complaint What Happened |
Since XXXX i have been battling with 3 companies which i believe to be the same reporting bureaus. They are reporting closed paid off accounts information to the 3 major reporting agencies. 1. Syndicated Office System 2. XXXX XXXX XXXX 3. Central Financial Control All three parties are reporting multiple accounts which they are also reporting them as duplicate on my credit report showing {$550.00} 3 same account # also {$150.00} 3 same account # also {$750.00} 3 same account #. And they also added the totals and created an account adding all the totals together. I tryed contacting the three parties to please remove accounts or provide information and received nothing and it is still showing on my credit report.
|
Consumer Consent Provided |
Consent provided
|
|
2077090
|
2016-08-22
|
Disclosure verification of debt
|
Debt collection
|
|
Issue |
Disclosure verification of debt
|
Timely |
No
|
Company |
TENET HEALTHCARE CORPORATION
|
Product |
Debt collection
|
Sub Issue |
Not given enough info to verify debt
|
Sub Product |
Medical
|
Date Received |
2016-08-22
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2016-08-22
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Complaint What Happened |
After XXXX for Tenet Corporation for 15 years, I find this action appalling. I had XXXX unpaid medical bills that I was fighting with my insurance company about paying that I explained to them. I was never contacted by phone that I was being reported to the credit bureau. In the meantime, Central Financial XXXX reported me to the credit bureau for XXXX account 3 days before my home closing. I called and explained and spent 3 hours on the phone one day and another 2 hours another day trying to get it removed. This action has essentially ruined my life and these people did not seem to get it.
|
Consumer Consent Provided |
Consent provided
|
|
2362682
|
2017-02-27
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
Issue |
Cont'd attempts collect debt not owed
|
Timely |
Yes
|
Company |
TENET HEALTHCARE CORPORATION
|
Product |
Debt collection
|
Sub Issue |
Debt is not mine
|
Sub Product |
Medical
|
Date Received |
2017-02-27
|
Submitted Via |
Phone
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2017-02-27
|
Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
Consumer Consent Provided |
N/A
|
|
2156043
|
2016-10-11
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
Issue |
Cont'd attempts collect debt not owed
|
Timely |
Yes
|
Company |
TENET HEALTHCARE CORPORATION
|
Product |
Debt collection
|
Sub Issue |
Debt resulted from identity theft
|
Sub Product |
Medical
|
Date Received |
2016-10-11
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
Yes
|
Date Sent To Company |
2016-10-11
|
Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
Complaint What Happened |
CENTRAL FINL CONTROL ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, CA XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you CENTRAL FINL CONTROLor any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CENTRAL FINL CONTROL or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
|
Consumer Consent Provided |
Consent provided
|
|
2750598
|
2017-12-09
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
TENET HEALTHCARE CORPORATION
|
Product |
Debt collection
|
Sub Issue |
Debt was result of identity theft
|
Sub Product |
I do not know
|
Date Received |
2017-12-09
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2017-12-09
|
Complaint What Happened |
XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, 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 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, LLC 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 XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
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Consumer Consent Provided |
Consent provided
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2682580
|
2017-09-23
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Incorrect information on your report
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Credit reporting, credit repair services, or other personal consumer reports
|
|
Issue |
Incorrect information on your report
|
Timely |
Yes
|
Company |
TENET HEALTHCARE CORPORATION
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Product |
Credit reporting, credit repair services, or other personal consumer reports
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Sub Issue |
Information belongs to someone else
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Sub Product |
Credit reporting
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Date Received |
2017-09-23
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Submitted Via |
Web
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Company Response |
Closed with explanation
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Consumer Disputed |
N/A
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Date Sent To Company |
2017-09-23
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Company Public Response |
Company believes it acted appropriately as authorized by contract or law
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Complaint What Happened |
I just want to inform you for the final time in a professional manner. Look, I 've been getting harassed, disrespected, and receiving threatening phone calls that I will be getting sued by your company acting as a lawyer. I do n't take threats lightly and I have contacted the Police to file a report on behalf of this matter, contacted the state attorney general, FTC, BBB to file complaints, I have contacted my lawyer to insist on pursuing legal actions against you. You have not only cause me to fear for my life, you 've caused major damage which I am now stressed, and I 've been treated unfairly. I am unaware of the accounts. I request each of you collection Agencies and creditor reporting agencies show me proof of verification that you supposedly have in your file. There is no actual copy of the supposed debt that you 're saying I owe, i am unaware of these accounts.
By law if you 're unable to provide legitimate validation of this debt with the actual contract, you must remove it immediately. You 've violated my rights by harassing me at work, on the phone, you also threatened me to pay a debt that I am unaware of, you have illegitimate debt that you are trying to collect on an innocent civilian. FCRA requires an established process to be outlined and all credit reporting companies are to verify every account it reports on before reporting on it. It violates a major section of the Fair Credit Reporting Act. 609.
1. XXXX XXXX 2. XXXX 3. XXXX XXXX
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Consumer Consent Provided |
Consent provided
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2148506
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2016-10-05
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Disclosure verification of debt
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Debt collection
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|
Issue |
Disclosure verification of debt
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Timely |
Yes
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Company |
TENET HEALTHCARE CORPORATION
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Product |
Debt collection
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Sub Issue |
Not given enough info to verify debt
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Sub Product |
I do not know
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Date Received |
2016-10-05
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Submitted Via |
Postal mail
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Company Response |
Closed with explanation
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Consumer Disputed |
No
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Date Sent To Company |
2016-10-12
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Company Public Response |
Company believes it acted appropriately as authorized by contract or law
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Consumer Consent Provided |
N/A
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2127114
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2016-09-22
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Cont'd attempts collect debt not owed
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Debt collection
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|
Issue |
Cont'd attempts collect debt not owed
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Timely |
Yes
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Company |
TENET HEALTHCARE CORPORATION
|
Product |
Debt collection
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Sub Issue |
Debt resulted from identity theft
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Sub Product |
Medical
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Date Received |
2016-09-22
|
Submitted Via |
Web
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Company Response |
Closed with explanation
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Consumer Disputed |
Yes
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Date Sent To Company |
2016-09-22
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Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
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Complaint What Happened |
CENTRAL FINL CONTROL ACCOUNT NUMBERs : XXXX, XXXX, XXXX, XXXX, XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX PHONE : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you CENTRAL FINL CONTROL or any company associate with this account # XXXX, XXXX, XXXX, XXXX, XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CENTRAL FINL CONTROL or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX
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Consumer Consent Provided |
Consent provided
|
|
2010800
|
2016-07-13
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Cont'd attempts collect debt not owed
|
Debt collection
|
|
Issue |
Cont'd attempts collect debt not owed
|
Timely |
Yes
|
Company |
TENET HEALTHCARE CORPORATION
|
Product |
Debt collection
|
Sub Issue |
Debt is not mine
|
Sub Product |
Medical
|
Date Received |
2016-07-13
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2016-07-13
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
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Complaint What Happened |
syndicated office systems also known as central financial control has placed a balance owed on my credit report in the amount of {$540.00} i sent this agency two notices requesting they validate the debt there claiming i owe. i have yet to received any such document per fdcpa section 623 if debt cant be validated they must remove this account
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Consumer Consent Provided |
Consent provided
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|
2471961
|
2017-05-01
|
False statements or representation
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Debt collection
|
|
Issue |
False statements or representation
|
Timely |
Yes
|
Company |
TENET HEALTHCARE CORPORATION
|
Product |
Debt collection
|
Sub Issue |
Attempted to collect wrong amount
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Sub Product |
Medical debt
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Date Received |
2017-05-01
|
Submitted Via |
Web
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Company Response |
Closed with explanation
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Consumer Disputed |
N/A
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Date Sent To Company |
2017-05-01
|
Company Public Response |
Company believes it acted appropriately as authorized by contract or law
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Complaint What Happened |
I have accounts on my credit report that keeps revolving from the collection agencies that owed the accounts. They are duplicate accounts, and when asked the collection agencies for a detailed statement of the accounts, they never provide it. They ca n't provide, because its the same account reported twice with the same amount on my credit bureau. The amounts are the same, there are XXXX accounts with the same duplicate account. The date this collection agencies are using its the date they bought the account.
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Consumer Consent Provided |
Consent provided
|
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2112733
|
2016-09-14
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
Issue |
Cont'd attempts collect debt not owed
|
Timely |
Yes
|
Company |
TENET HEALTHCARE CORPORATION
|
Product |
Debt collection
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Sub Issue |
Debt was paid
|
Sub Product |
Medical
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Date Received |
2016-09-14
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
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Date Sent To Company |
2016-09-14
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
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Complaint What Happened |
Last month a company by the name of Central Financial Control posted on my credit report that I was sent to Collections by XXXX XXXX XXXX XXXX. Their information also states that the outstanding amount was paid and the matter closed in 2014. I think think this behavior is unfair, as it is dishonest, because not only do I not remember the details of the matter to adequately defend myself, but this report was made two years after resolution and came at a time when I was in the process of purchasing a home. This action has negatively impacted this process as my credit score fell by XXXX points and the financial institution is reluctant to move forward.
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Consumer Consent Provided |
Consent provided
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1941899
|
2016-05-25
|
Disclosure verification of debt
|
Debt collection
|
|
Tags |
Older American
|
Issue |
Disclosure verification of debt
|
Timely |
Yes
|
Company |
TENET HEALTHCARE CORPORATION
|
Product |
Debt collection
|
Sub Issue |
Not given enough info to verify debt
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Sub Product |
Medical
|
Date Received |
2016-05-25
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
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Consumer Disputed |
No
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Date Sent To Company |
2016-05-25
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Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
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Complaint What Happened |
I have attempted to speak with Central Financial Control to verify the debt on multiple occasions. They keep stating they are not receiving my attorney 's faxes with her letter of representation. I have attempted to contact them in order to verify the debt, despite the fact that they have never sent me any documentation via mail but reported debt on my credit report. Now I call and no one answers the phone number. This is extremely frustrating as I am being denied a loan due to this outstanding account. I did some research and it seems this is n't the first time this company has done this to consumers.
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Consumer Consent Provided |
Consent provided
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|
2380528
|
2017-03-09
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
Issue |
Cont'd attempts collect debt not owed
|
Timely |
Yes
|
Company |
TENET HEALTHCARE CORPORATION
|
Product |
Debt collection
|
Sub Issue |
Debt is not mine
|
Sub Product |
Medical
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Date Received |
2017-03-09
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2017-03-09
|
Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
Consumer Consent Provided |
Consent not provided
|
|
2011433
|
2016-07-13
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
Issue |
Cont'd attempts collect debt not owed
|
Timely |
Yes
|
Company |
TENET HEALTHCARE CORPORATION
|
Product |
Debt collection
|
Sub Issue |
Debt is not mine
|
Sub Product |
Medical
|
Date Received |
2016-07-13
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2016-07-13
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Complaint What Happened |
syndicated office systems also known as central financial control has placed a balance owed on my credit report in the amount of {$750.00}. i sent this agency XXXX notices requesting they validate the debt there claiming i owe. i have yet to received any such document per fdcpa section 623 if debt cant be validated they must remove this account
|
Consumer Consent Provided |
Consent provided
|
|
2229695
|
2016-12-01
|
Disclosure verification of debt
|
Debt collection
|
|
Tags |
Older American
|
Issue |
Disclosure verification of debt
|
Timely |
Yes
|
Company |
TENET HEALTHCARE CORPORATION
|
Product |
Debt collection
|
Sub Issue |
Not given enough info to verify debt
|
Sub Product |
Medical
|
Date Received |
2016-12-01
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2016-12-01
|
Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
Consumer Consent Provided |
Consent not provided
|
|