{"took":237,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":59,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"3017584","_score":22.353893,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX is constantly sending threatening collection letters to me and recently sent one to my son regarding a debt owed XXXX. I attempted to negotiate a 5 year payoff with XXXX and they refused after my home was damaged in Hurricane Sandy on XX/XX/2012. XXXX sold this debt to MCM- I will not pay or negotiate with them. They shared my personal information with someone other than myself which violates collections laws.\n\nI want this account removed from MCM and from my credit reports immediately!","date_sent_to_company":"2018-09-19T20:12:07.000Z","issue":"Threatened to contact someone or share information improperly","sub_product":"Credit card debt","zip_code":"33914","tags":null,"has_narrative":true,"complaint_id":"3017584","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2018-09-12T20:54:35.000Z","state":"FL","company_public_response":null,"sub_issue":"Talked to a third-party about your debt"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX is constantly sending <em>threatening</em> <em>collection</em> letters to me and recently sent one to my son regarding a <em>debt</em> owed XXXX. I attempted to negotiate a 5 year payoff with XXXX and they refused after my home was damaged in Hurricane Sandy on XX/XX/2012. XXXX sold this <em>debt</em> to MCM- I will not pay or negotiate with them. They <em>shared</em> my personal information with <em>someone</em> other than myself which violates <em>collections</em> laws."],"product":["<em>Debt</em> <em>collection</em>"],"issue":["<em>Threatened</em> to contact <em>someone</em> or <em>share</em> information improperly"],"sub_product":["Credit card <em>debt</em>"],"sub_issue":["Talked to a third-party about your <em>debt</em>"]},"sort":[22.353893,"3017584"]},{"_index":"complaint-public-v1","_id":"3351565","_score":19.07226,"_source":{"product":"Debt collection","complaint_what_happened":"1. CBS is pursuing me as an independent collection agent when the originating provider of services ( XXXX XXXX ) is actively accepting payments from me. Further, because XXXX is accepting payments from me, CBS has an incorrect and higher balance than I owe/am paying to XXXX. \n\n2. It is my understanding that if the business I am obligated to pay is accepting payments from me, it can not be a collection account being pursued by an outside agency at the same time. It also can not be reported adversely on my credit by said collection agency. \n\n3. CBS has admittedly reported adverse information to credit bureaus causing me harm.\n\n4. CBS is further pursuing me for a debt that is not mine and that CBS has no business sending privacy information to me of someone else 's account, and has admittedly reported the debt to credit bureaus causing me harm. \n\n5. CBS has refused my demand to correct their faults and continues to send threatening tone letters. They also continue to share information about the debt that does not belong to me, which is clearly evidenced in the itemized statement they sent ( I am not the account guarantor ).","date_sent_to_company":"2019-08-23T17:52:57.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"65714","tags":null,"has_narrative":true,"complaint_id":"3351565","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Credit Bureau Systems, Inc., Paducah, KY Branch","date_received":"2019-08-23T17:32:06.000Z","state":"MO","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["It also can not be reported adversely on my credit by said <em>collection</em> agency. \n\n3. CBS has admittedly reported adverse information to credit bureaus causing me harm.\n\n4. CBS is further pursuing me for a <em>debt</em> that is not mine and that CBS has no business sending privacy information to me of <em>someone</em> else 's account, and has admittedly reported the <em>debt</em> to credit bureaus causing me harm. \n\n5. CBS has refused my demand to correct their faults and continues to send <em>threatening</em> tone letters."],"product":["<em>Debt</em> <em>collection</em>"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_product":["Medical <em>debt</em>"],"sub_issue":["<em>Debt</em> is not yours"]},"sort":[19.07226,"3351565"]},{"_index":"complaint-public-v1","_id":"13714926","_score":16.779781,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/year>, I was contacted by DCI Credit Services , Inc., a debt collection agency that claims I owe money to my ex-girlfriend. The alleged debt is based on voluntary support and shared expenses during a prior romantic relationship. There is no signed loan agreement, no judgment, and no legal debt owed. Timeline of Events ( with timestamps ) XXXX XXXX XXXX : I received a phone call from DCI Credit Services. Shortly after : DCI contacted my current subtenant ( a third party with no connection to the alleged debt ). XXXX XXXX  : My subtenant called me, disturbed and confused after receiving DCI 's call, and questioned whether I had leaked their personal information. XXXX PM : I called DCI back. The DCI agent : Claimed I owed a personal debt to someone ; Admitted to possessing my drivers license; Confirmed they contacted my subtenant and told them I owe someone money. Violations of Law : FDCPA 805 ( b ) Improper Third-Party Contact : DCI illegally contacted my subtenant and disclosed that I allegedly owe money, violating federal law that prohibits third-party disclosure of debt. Failure to Validate Debt : I have never received any debt validation letter, notice of rights, or formal notice under FDCPA 809. Possession and Use of Sensitive Personal Information Without Consent : DCI claimed to have my drivers license, which was apparently obtained without my authorization likely from my ex-girlfriend. This is a serious breach of data privacy and personal information misuse. Resulting Financial and Reputational Harm : My subtenant is now threatening to terminate their lease early, citing privacy concerns and distrust. This puts me at risk of financial loss, vacancy costs, and reputational damage as a landlord.","date_sent_to_company":"2025-07-07T23:52:59.000Z","issue":"Threatened to contact someone or share information improperly","sub_product":"I do not know","zip_code":"07302","tags":null,"has_narrative":true,"complaint_id":"13714926","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Debt Collectors International, Inc.","date_received":"2025-05-26T03:46:48.000Z","state":"NJ","company_public_response":"Company believes the complaint provided an opportunity to answer consumer's questions","sub_issue":"Talked to a third-party about your debt"},"highlight":{"complaint_what_happened":["On XX/XX/year>, I was contacted by DCI Credit Services , Inc., a <em>debt</em> <em>collection</em> agency that claims I owe money to my ex-girlfriend. The alleged <em>debt</em> is based on voluntary support and <em>shared</em> expenses during a prior romantic relationship. There is no signed loan agreement, no judgment, and no legal <em>debt</em> owed. Timeline of Events ( with timestamps ) XXXX XXXX XXXX : I received a phone call from DCI Credit Services."],"product":["<em>Debt</em> <em>collection</em>"],"issue":["<em>Threatened</em> to contact <em>someone</em> or <em>share</em> information improperly"],"company":["<em>Debt</em> Collectors International, Inc."],"sub_issue":["Talked to a third-party about your <em>debt</em>"]},"sort":[16.779781,"13714926"]},{"_index":"complaint-public-v1","_id":"13680615","_score":16.762754,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/year>, I was contacted by DCI Credit Services , Inc., a debt collection agency that claims I owe money to my ex-girlfriend. The alleged debt is based on voluntary support and shared expenses during a prior romantic relationship. There is no signed loan agreement, no judgment, and no legal debt owed. \n\nTimeline of Events ( with timestamps ) : XXXX XXXX  : I received a phone call from DCI Credit Services. \n\nShortly after : DCI contacted my current subtenant ( a third party with no connection to the alleged debt ). \n\nXXXX XXXX  : My subtenant called me, disturbed and confused after receiving DCI 's call, and questioned whether I had leaked their personal information. \n\nXXXX XXXX XXXX I called DCI back. The DCI agent : Claimed I owed a personal debt to someone ; Admitted to possessing my drivers license; Confirmed they contacted my subtenant and told them I owe someone money. \n\nViolations of Law : FDCPA 805 ( b ) Improper Third-Party Contact : DCI illegally contacted my subtenant and disclosed that I allegedly owe money, violating federal law that prohibits third-party disclosure of debt. \n\nFailure to Validate Debt : I have never received any debt validation letter, notice of rights, or formal notice under FDCPA 809.\n\nPossession and Use of Sensitive Personal Information Without Consent : DCI claimed to have my drivers license, which was apparently obtained without my authorization likely from my ex-girlfriend. \n\nThis is a serious breach of data privacy and personal information misuse. \n\nResulting Financial and Reputational Harm : My subtenant is now threatening to terminate their lease early, citing privacy concerns and distrust. \n\nThis puts me at risk of financial loss, vacancy costs, and reputational damage as a landlord.","date_sent_to_company":"2025-05-23T03:10:32.000Z","issue":"Threatened to contact someone or share information improperly","sub_product":"I do not know","zip_code":"07302","tags":null,"has_narrative":true,"complaint_id":"13680615","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DCI Credit Services, Inc.","date_received":"2025-05-23T02:46:31.000Z","state":"NJ","company_public_response":null,"sub_issue":"Talked to a third-party about your debt"},"highlight":{"complaint_what_happened":["On XX/XX/year>, I was contacted by DCI Credit Services , Inc., a <em>debt</em> <em>collection</em> agency that claims I owe money to my ex-girlfriend. The alleged <em>debt</em> is based on voluntary support and <em>shared</em> expenses during a prior romantic relationship. There is no signed loan agreement, no judgment, and no legal <em>debt</em> owed. \n\nTimeline of Events ( with timestamps ) : XXXX XXXX  : I received a phone call from DCI Credit Services."],"product":["<em>Debt</em> <em>collection</em>"],"issue":["<em>Threatened</em> to contact <em>someone</em> or <em>share</em> information improperly"],"sub_issue":["Talked to a third-party about your <em>debt</em>"]},"sort":[16.762754,"13680615"]},{"_index":"complaint-public-v1","_id":"3539278","_score":15.635448,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Texas XX/XX/XXXX XXXX XXXX XXXX adding removed accounts back on with notice https : XXXX scaring me to sue is against the law discover XXXX  XXXX XXXX XXXXUnder the FDCPA, a debt collector can not threaten to sue you to force faster payment of a debt. More often than not, when a collection agent or lawyer threatens to sue, it is to frighten you into making larger payments or establishing an impractical and financially infeasible payment schedule. \nTax Liens Removed From Credit Reports Tax liens used to appear on your credit reports maintained by the three national credit bureaus ( XXXX, XXXX  and XXXX  ). Even if you paid the lien, it stayed on your reports for up to seven years, while unpaid liens remained on your reports for up to 10 years. \n\nIn XXXX, however, all three credit bureaus implemented changes to eliminate civil judgment records ( notes that a consumer owes debt to a court because of a lawsuit result ) and half of all tax lien data. By XX/XX/XXXX, all tax liens were removed from credit reports by the bureaus. \n\nThe updated rules are the result of a Consumer Financial Protection Bureau study that found issues with reporting such information correctly. \n\n\" A lot of judgments and liens were linked to the wrong people, so someone may share your first and last name, maybe live in a different part of the country, and they might have a lien or judgment that might get linked to your file, '' said XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX at data firm XXXX XXXX XXXX, in XXXX XXXX. \n\nHow Will the Tax Lien Change Affect My Credit? \nAccording to XXXX XXXX XXXX, only about 11 % of consumers will see a change to their credit reports as a result of this action, and scores could increase by as much as 30 points overall. \n\nHowever, the XXXX XXXX XXXX XXXX, which represents the three credit bureaus, said in a statement in XXXX that \" analyses conducted by the credit reporting agencies and credit score developers XXXX and XXXX show only modest credit scoring impacts. ''","date_sent_to_company":"2020-02-21T09:09:22.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77449","tags":null,"has_narrative":true,"complaint_id":"3539278","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2020-02-21T03:52:02.000Z","state":"TX","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Texas XX/XX/XXXX XXXX XXXX XXXX adding removed accounts back on with notice https : XXXX scaring me to sue is against the law discover XXXX  XXXX XXXX XXXXUnder the FDCPA, a <em>debt</em> collector can not <em>threaten</em> to sue you to force faster payment of a <em>debt</em>. More often than not, when a <em>collection</em> agent or lawyer <em>threatens</em> to sue, it is to frighten you into making larger payments or establishing an impractical and financially infeasible payment schedule."],"sub_issue":["Information belongs to <em>someone</em> else"]},"sort":[15.635448,"3539278"]},{"_index":"complaint-public-v1","_id":"3539281","_score":15.4896145,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Texas XX/XX/XXXX 16.004 4 4 adding removed accounts back on with notice https : //www.credit.com/debt/statutes-of-limitations/ scaring me to sue is against the law XXXX  XXXX  XXXX 53 bankUnder the FDCPA, a debt collector can not threaten to sue you to force faster payment of a debt. More often than not, when a collection agent or lawyer threatens to sue, it is to frighten you into making larger payments or establishing an impractical and financially infeasible payment schedule.\n\nTax Liens Removed From Credit Reports Tax liens used to appear on your credit reports maintained by the three national credit bureaus ( XXXX, XXXX  and XXXX  ). Even if you paid the lien, it stayed on your reports for up to seven years, while unpaid liens remained on your reports for up to 10 years. \n\nIn XXXX, however, all three credit bureaus implemented changes to eliminate civil judgment records ( notes that a consumer owes debt to a court because of a lawsuit result ) and half of all tax lien data. By XX/XX/XXXX, all tax liens were removed from credit reports by the bureaus. \n\nThe updated rules are the result of a Consumer Financial Protection Bureau study that found issues with reporting such information correctly. \n\n\" A lot of judgments and liens were linked to the wrong people, so someone may share your first and last name, maybe live in a different part of the country, and they might have a lien or judgment that might get linked to your file, '' said XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX at data firm XXXX XXXX XXXX, in XXXX XXXX. \n\nHow Will the Tax Lien Change Affect My Credit? \nAccording to XXXX XXXX XXXX, only about 11 % of consumers will see a change to their credit reports as a result of this action, and scores could increase by as much as 30 points overall. \n\nHowever, the XXXX XXXX XXXX XXXX, which represents the three credit bureaus, said in a statement in XXXX that \" analyses conducted by the credit reporting agencies and credit score developers XXXX and XXXX show only modest credit scoring impacts. ''","date_sent_to_company":"2020-02-21T09:09:33.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77449","tags":null,"has_narrative":true,"complaint_id":"3539281","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIFTH THIRD FINANCIAL CORPORATION","date_received":"2020-02-21T04:09:29.000Z","state":"TX","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Texas XX/XX/XXXX 16.004 4 4 adding removed accounts back on with notice https : //www.credit.com/<em>debt</em>/statutes-of-limitations/ scaring me to sue is against the law XXXX  XXXX  XXXX 53 bankUnder the FDCPA, a <em>debt</em> collector can not <em>threaten</em> to sue you to force faster payment of a <em>debt</em>. More often than not, when a <em>collection</em> agent or lawyer <em>threatens</em> to sue, it is to frighten you into making larger payments or establishing an impractical and financially infeasible payment schedule."],"sub_issue":["Information belongs to <em>someone</em> else"]},"sort":[15.4896145,"3539281"]},{"_index":"complaint-public-v1","_id":"11361681","_score":15.150797,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX conspired with XXXX, XXXX, XXXX, and Sagestream. XXXXXXXX XXXX. XXXX XXXX XXXX and many other third-party credit collection agencies an extension of my credit using extortion. XXXX XXXX XXXX is a financial institution and from the law standpoint, it has been made very clear that an alleged banking institution is prohibited from sharing, transferring, passing around, miss handling, trading, etc. under law 15 USC 6802, a banking or financial institution is supposed to communicate with the consumer to see if the consumer want their information shared with outside corporations or not. The Consumer shall have a choice to OPT out, however ; XXXX XXXX XXXX has ignored the law without consent from me as the consumer. The information had been placed on my consumer credit report without having a permissible purpose to do so. This is breaking the law, this is a violation of privacy about sensitive information that has been shared for profit with strangers. Also under law 18 USC 894 XXXX has conspired with each of these third-party corporations to steal my information and commit a crime against me as well as use my consumer credit report to threaten, and report derogatory information as a punishment when the law states that this is a crime to do so. 18 USC 894 says whoever knowingly participates in any way conspires to do so in the use of any extortion, it means to collect or attempt to collect any extension of credit or to punish any person for the nonpayment. There of should be a fine under this title or in prison not more than 20 years. \nConspire means someone who commits a crime, who secretly does something, who teams up with others. This has been the abusive behavior for several years on going today as XXXX XXXX XXXX has caused theft, sold my property, teamed up with the credit agencies which are all third-party debt collectors, and still reporting derogatory against my consumer credit even after the law has identified that can not be done. 15 USC 1681b- credit agencies are only allowed to furnish consumer reports to those who have a permissible purpose as defined by the FCRA . There has never been any written instruction given any permission to share my information. Lastly, 18 USC 1028 AXXXX XXXX XXXX and each of these credit agencies are trading, passing around my private information for profit committing crimes of crimes against me as the consumer without lawful authority..","date_sent_to_company":"2025-01-03T03:56:06.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"314XX","tags":null,"has_narrative":true,"complaint_id":"11361681","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"ID Analytics, Inc.","date_received":"2025-01-03T03:56:03.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Conspire means <em>someone</em> who commits a crime, who secretly does something, who teams up with others."]},"sort":[15.150797,"11361681"]},{"_index":"complaint-public-v1","_id":"11361685","_score":15.141264,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX conspired with XXXX, XXXX, XXXX, and XXXX. XXXX 's. XXXX XXXX XXXX and many other third-party credit collection agencies an extension of my credit using extortion. XXXX XXXX XXXX is a financial institution and from the law standpoint, it has been made very clear that an alleged banking institution is prohibited from sharing, transferring, passing around, miss handling, trading, etc. under law 15 USC 6802, a banking or financial institution is supposed to communicate with the consumer to see if the consumer want their information shared with outside corporations or not. The Consumer shall have a choice to OPT out, however ; XXXX XXXX XXXX has ignored the law without consent from me as the consumer. The information had been placed on my consumer credit report without having a permissible purpose to do so. This is breaking the law, this is a violation of privacy about sensitive information that has been shared for profit with strangers. Also under law 18 USC 894 XXXX has conspired with each of these third-party corporations to steal my information and commit a crime against me as well as use my consumer credit report to threaten, and report derogatory information as a punishment when the law states that this is a crime to do so. 18 USC 894 says whoever knowingly participates in any way conspires to do so in the use of any extortion, it means to collect or attempt to collect any extension of credit or to punish any person for the nonpayment. There of should be a fine under this title or in prison not more than 20 years. \nXXXX means someone who commits a crime, who secretly does something, who teams up with others. This has been the abusive behavior for several years on going today as XXXX XXXX XXXX has caused theft, sold my property, teamed up with the credit agencies which are all third-party debt collectors, and still reporting derogatory against my consumer credit even after the law has identified that can not be done. 15 USC 1681b- credit agencies are only allowed to furnish consumer reports to those who have a permissible purpose as defined by the FCRA . There has never been any written instruction given any permission to share my information. Lastly, 18 USC 1028 XXXX XXXX XXXX and each of these credit agencies are trading, passing around my private information for profit committing crimes of crimes against me as the consumer without lawful authority..","date_sent_to_company":"2025-01-03T03:56:06.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"314XX","tags":null,"has_narrative":true,"complaint_id":"11361685","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SANTANDER HOLDINGS USA, INC.","date_received":"2025-01-03T03:56:03.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX means <em>someone</em> who commits a crime, who secretly does something, who teams up with others."]},"sort":[15.141264,"11361685"]},{"_index":"complaint-public-v1","_id":"2052779","_score":15.134301,"_source":{"product":"Debt collection","complaint_what_happened":"I just received a phone call from someone claiming to be with Universal Fidelity. \n\nAt first there was an automated machine that thanked me for calling. They called me. Whatever their matter was, they considered it important enough to interrupt my day. To me, the interruption is important enough for them to have their IT department get that right. \n\nEventually, I was transferred to a representative who merely informed me that she was on a recorded line, she works for Universal Fidelity, and they have a \" personal business matter '' that came across their desk '' ( or some wording to that effect ). \n\nShe talked very fast - apparently in the hope that I would not slow her down and she could get right to the part where she would make her commission. She seemed disconcerted and off-script when I asked her questions to make sure I understood what she said. \n\nI had to ask what this was about and what Fidelity Universal is. Only upon questioning did she inform me that XXXX is a debt collection agency. \n\nI asked her : How do I know she is who she says she is. \n\nShe provided no way to verify herself, but asked several times for me to verify myself. \n\nWe are told, often, in this day and age of terrorists and heightened security NOT to give out information about ourselves to people we do not know. \n\nOnline, we are warned about scammers. \n\nI asked her to verify herself, and she could not. Instead, she said they would send me a letter and wished me a good day. \n\nShe did not talk about the content of the letter, but from her tone it sounded threatening, like an escalation of this matter for legal purposes. I assume that private debt collection companies share their recorded calls with you, and you can listen for yourself. \n\nOnly after her continued engagement with me on the phone did I have time to look up UFLP on XXXX. I found a very professional website. Of course, that does not mean it is who it says it is. Media reports the Federal government is aware of a XXXX XXXX building whose sole purpose is to confuse and scam and subvert the internet, in part by creating websites that are exact duplicates of legitimate websites and getting unsuspecting Americans to provide their information on fake webforms. \n\nIn the section above, I put \" Threatened to take legal action. '' I do n't know if that is what this was - but it was the only choice that seemed to fit this situation.","date_sent_to_company":"2016-08-09T20:54:36.000Z","issue":"Communication tactics","sub_product":"I do not know","zip_code":"341XX","tags":"Older American","has_narrative":true,"complaint_id":"2052779","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Universal Fidelity LP","date_received":"2016-08-09T20:54:35.000Z","state":"FL","company_public_response":null,"sub_issue":"Threatened to take legal action"},"highlight":{"complaint_what_happened":["She did not talk about the content of the letter, but from her tone it sounded <em>threatening</em>, like an escalation of this matter for legal purposes. I assume that private <em>debt</em> <em>collection</em> companies <em>share</em> their recorded calls with you, and you can listen for yourself. \n\nOnly after her continued engagement with me on the phone did I have time to look up UFLP on XXXX. I found a very professional website. Of course, that does not mean it is who it says it is."],"product":["<em>Debt</em> <em>collection</em>"],"sub_issue":["<em>Threatened</em> to take legal action"]},"sort":[15.134301,"2052779"]},{"_index":"complaint-public-v1","_id":"11348958","_score":15.128965,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX conspired with XXXX, XXXX, XXXX, and XXXX. XXXX 's. XXXX XXXX XXXX and many other third-party credit collection agencies an extension of my credit using extortion. Flagship Credit Acceptance is a financial institution and from the law standpoint, it has been made very clear that an alleged banking institution is prohibited from sharing, transferring, passing around, miss handling, trading, etc. under law 15 USC 6802, a banking or financial institution is supposed to communicate with the consumer to see if the consumer want their information shared with outside corporations or not. The Consumer shall have a choice to OPT out, however ; Flagship Credit Acceptance has ignored the law without consent from me as the consumer. The information had been placed on my consumer credit report without having a permissible purpose to do so. This is breaking the law, this is a violation of privacy about sensitive information that has been shared for profit with strangers. Also under law 18 USC 894 Flagship has conspired with each of these third-party corporations to steal my information and commit a crime against me as well as use my consumer credit report to threaten, and report derogatory information as a punishment when the law states that this is a crime to do so. 18 USC 894 says whoever knowingly participates in any way conspires to do so in the use of any extortion, it means to collect or attempt to collect any extension of credit or to punish any person for the nonpayment. There of should be a fine under this title or in prison not more than 20 years.\n\nConspire means someone who commits a crime, who secretly does something, who teams up with others. This has been the abusive behavior for several years on going today as Flagship Credit Acceptance has caused theft, sold my property, teamed up with the credit agencies which are all third-party debt collectors, and still reporting derogatory against my consumer credit even after the law has identified that can not be done. 15 USC 1681b- credit agencies are only allowed to furnish consumer reports to those who have a permissible purpose as defined by the FCRA . There has never been any written instruction given any permission to share my information. Lastly, 18 USC 1028 A-Flagship Credit Acceptance and each of these credit agencies are trading, passing around my private information for profit committing crimes of crimes against me as the consumer without lawful authority..","date_sent_to_company":"2025-01-03T03:55:43.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"314XX","tags":null,"has_narrative":true,"complaint_id":"11348958","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FC HoldCo LLC","date_received":"2025-01-03T03:06:41.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Conspire means <em>someone</em> who commits a crime, who secretly does something, who teams up with others."]},"sort":[15.128965,"11348958"]},{"_index":"complaint-public-v1","_id":"2686309","_score":15.021276,"_source":{"product":"Debt collection","complaint_what_happened":"On Monday, XXXX XXXX, XXXX, XXXX XXXX with Eastpoint Group contacted and left a voicemail message for someone living in my house who is not related to me or in anyway connected to my financial data. This person shared the voicemail with me, and it sounded like a scam call attempting to collect information about me. \n\nTuesday, XXXX XXXX, XXXX, XXXX XXXX from Eastpoint Group left a message on my home phone. I retrieved the message on Wednesday, XXXX XXXX, XXXX, and called her back. She explained that she was calling to collect a debt and had sent a letter regarding this debt. I told her that I did not receive a letter and offered to call and settle the debt with the company directly. She told me that the debt had been sold to her client, XXXX, and that XXXX would begin to take legal action against me the next day, Thursday, XXXX XXXX, XXXX, if I did not pay the debt in full on Wednesday, XXXX XXXX XXXX. She said that they would take me \" to court '' and sue me for the amount, I would have to \" pay legal and court fees '', my \" credit would be ruined '', that they would \" seize property and place a lien on [ my ] car '', and that she did n't understand why I had n't paid this debt because I \" have credit cards, good credit, and can pay '' the amount. She continued with a list of actions they would take against me. \n\nPrior to placing the call, I searched for information about Eastpoint Group because both calls sounded suspicious. I found that Eastpoint was a collection agency and that they had several complaints filed against them. After she concluded listing all the actions they would take against me if I did not pay the balance in full on Wednesday, XXXX XXXX, I offered to pay a portion of the amount due with the idea of setting up an automatic payment plan. She refused and repeated the actions she had previously listed. I explained that her actions were over-reaching by contacting someone not affiliated with me, and by threatening me with taking me to court. I requested contact information for her client, XXXX, which she declined to provide. \n\nI requested that she remove the other person 's contact information ( to which she originally denied having contacted, then followed up by giving this person 's name, saying that the person lived in my home so she had the right to contact this person ) from my financial information. \n\nAlthough I spoke calmly throughout the call, she was very combative and threatening. After she had concluded again with list of actions they would take, I responded by telling her that I knew Eastpoint Group had been reported multiple times for contacting the consumer improperly, disclosing debt to third parties, threatening legal action / lawsuit / consumer arrested / jailed, and noting states where their actions were particularly egregious. She denied every instance and said that these complaints were submitted by \" people who do n't want to pay their debt ''.\nIt appears that they may not have had my correct address, which would explain why I did n't receive the letter. She forwarded my call to another representative to verify my information, and the address they had on file contained two additional numbers making the address incorrect. \n\nI paid the full amount because I 'm starting a new, small business and I can not afford to go to court, nor do I want my name dragged into the courts or anything disparaging said in conjunction with my name or business. Yes, I made a mistake and forgot about a debt. I 'm responsible for that and willing to rectify it. The issue remains that contacting people not connected to me and threatening me while I 'm calmly trying to work towards a solution is unacceptable.","date_sent_to_company":"2017-09-27T19:48:16.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"90291","tags":null,"has_narrative":true,"complaint_id":"2686309","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Eastpoint Recovery Group, Inc","date_received":"2017-09-27T18:57:23.000Z","state":"CA","company_public_response":null,"sub_issue":"Threatened to sue you for very old debt"},"highlight":{"complaint_what_happened":["I explained that her actions were over-reaching by contacting <em>someone</em> not affiliated with me, and by <em>threatening</em> me with taking me to court. I requested contact information for her client, XXXX, which she declined to provide."],"product":["<em>Debt</em> <em>collection</em>"],"issue":["Took or <em>threatened</em> to take negative or legal action"],"sub_product":["Credit card <em>debt</em>"],"sub_issue":["<em>Threatened</em> to sue you for very old <em>debt</em>"]},"sort":[15.021276,"2686309"]},{"_index":"complaint-public-v1","_id":"14774685","_score":14.808819,"_source":{"product":"Debt collection","complaint_what_happened":"Today I received a disturbing and suspicious phone call from someone who identified themselves as Located Parks or something similar. The caller claimed they were calling from the pre trial division and processing department regarding a complaint that had just been received and was being filed. The individual claimed the matter was assigned and then referenced National Asset Management.\n\nHe read off a set of numbers and claimed there were attachments involved. Then, during the call, I heard an automated voice system in the background reading off additional numbers, making the situation feel scripted and deceptive. The call ended with instructions to press one to be connected with a case manager. This made it sound like I was being dragged into a legal proceeding or criminal process, when in fact I have never been properly notified or served about any such case.\n\nThis is the second or third time I have received threatening or misleading phone calls involving my private information being passed around between unknown third parties, often without identifying themselves clearly or providing any legitimate proof of debt. This is harassment, and it is illegal.\n\nThese actions are in clear violation of multiple federal laws, including : Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692d prohibits any conduct that harasses, oppresses, or abuses any person in connection with the collection of a debt 15 USC 1692e prohibits the use of any false, deceptive, or misleading representation, including pretending to be part of a legal process or government agency 15 USC 1692g requires that I be sent written validation of the debt before any collection activity can legally proceed Gramm Leach Bliley Act 15 USC 6801 prohibits financial institutions and their agents from disclosing personal financial information without consent Fair Credit Reporting Act ( FCRA ) 15 USC 1681b and 1681c restricts access to consumer credit information and requires accuracy and accountability from anyone accessing or using such data I have never received proper documentation regarding this alleged debt and I did not give anyone permission to share or transfer my information to this so called pre trial department. I believe this call was an attempt to frighten me with fake legal threats and extract money under pressure. This is not only deceptive, it is fraudulent and emotionally damaging.","date_sent_to_company":"2025-07-21T17:01:01.000Z","issue":"Communication tactics","sub_product":"Credit card debt","zip_code":"77583","tags":null,"has_narrative":true,"complaint_id":"14774685","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"National Asset processing LLC","date_received":"2025-07-21T16:48:14.000Z","state":"TX","company_public_response":null,"sub_issue":"You told them to stop contacting you, but they keep trying"},"highlight":{"complaint_what_happened":["These actions are in clear violation of multiple federal laws, including : Fair <em>Debt</em> <em>Collection</em> Practices Act ( FDCPA ) 15 USC 1692d prohibits any conduct that harasses, oppresses, or abuses any person in connection with the <em>collection</em> of a <em>debt</em> 15 USC 1692e prohibits the use of any false, deceptive, or misleading representation, including pretending to be part of a legal process or government agency 15 USC 1692g requires that I be sent written validation of the <em>debt</em> before any <em>collection</em> activity"],"product":["<em>Debt</em> <em>collection</em>"],"sub_product":["Credit card <em>debt</em>"]},"sort":[14.808819,"14774685"]},{"_index":"complaint-public-v1","_id":"3520589","_score":14.798039,"_source":{"product":"Debt collection","complaint_what_happened":"The law firm of McNeilePappas PC, has been constantly harassing me regarding a debt that was involved in a fraud case that involved my wifes information as well as mine being compromised in XXXX. During XXXX, XXXX XXXX incurred a breach of their system and my wifes account was compromised. Someone in the XXXX New York area used a bank account that belonged to myself as well as my wife to intentionally commit fraudulent acts towards her account, or at the time only her account. What the individual did was used a stored bank payment account on file with XXXX XXXXXXXX to pay off my wifes card and immediately have a new card issued to be XXXX  overnight to the address listed as being in XXXX, New York. My wife was able to catch the transaction right in the process due to an unfamiliar email issued by XXXX XXXX. The problem began when I learned that the same exact thing occurred to me. However, the circumstances were somewhat different. \n\nAn account was opened using the payment information from the fraudulent activity on my wifes card because the bank account was a shared accout. An account was opened without my knowledge and I had no idea that the card existed until I began to receive notices from the law firm listed above as McNeilePappas PC. This group sent one letter and then moved forward to serve us with civil suit paperwork without even providing us the time required to respond to the initial documentation. I returned the answer through the courts and pled, not guilty. I further went on in the answer to detail a listing of requested supporting documentation to substatiate the allegation that this debt in fact belonged to me. \n\nWhat I received back from the firm was a tampered with document hidding vital information necessary to make a legitimate claim as to how they came to own this debt that they were alledging as being owed by me. Because of this fact alone this collector has violated 15 US Code SS 1692e-False or Misleading representations. The law firm of McNeilePappas PC, violated the FDCPA ( Fair Debt Collection Practices Act ) by intentionally sought to seek relief for which they intentially mislead me into believing belonged to me. \n\nBy intentionally covering up the amount owed and paid for the alledged debt they say is owed by me, questions the fact of the true amount of the debt. I do not owe this debt again because it was as the result of a previous fraudulent act committed against my wife on a shared banking account that was compromised. Furthermore, McNeilePappas PC,  illegally moved forward on a debt that they did not validate as belonging to me, which it does not. Additionally, the firm never threatened to take legal action they just jumped the gun  and pushed forward with unverifiable information.","date_sent_to_company":"2020-02-05T09:35:57.000Z","issue":"False statements or representation","sub_product":"Credit card debt","zip_code":"66441","tags":"Servicemember","has_narrative":true,"complaint_id":"3520589","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Cohen McNeile & Pappas, PC","date_received":"2020-02-05T04:26:38.000Z","state":"KS","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["I do not owe this <em>debt</em> again because it was as the result of a previous fraudulent act committed against my wife on a <em>shared</em> banking account that was compromised. Furthermore, McNeilePappas PC,  illegally moved forward on a <em>debt</em> that they did not validate as belonging to me, which it does not. Additionally, the firm never <em>threatened</em> to take legal action they just jumped the gun  and pushed forward with unverifiable information."],"product":["<em>Debt</em> <em>collection</em>"],"sub_product":["Credit card <em>debt</em>"]},"sort":[14.798039,"3520589"]},{"_index":"complaint-public-v1","_id":"3704105","_score":14.180327,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX, Debt collector own by foreign companies, Non-citizens don't share all the rights of citizens under the XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX.XXXX   XXXX. XXXX, VA XXXX They're subject to immigration law, under which the executive branch has broad authority to determine whether it wants them in the country or not. And until they've passed through immigration control.XXXX  XXXX XXXX XXXX. Right to privacy is being violated.freedom of thought and conscience, I feel i am being discriminated against. This Discrimination that violates Title VII of the Civil Rights Act of 1964, the Age Discrimination in Employment Act of 1967, ( ADEA ), and the Americans with Disabilities Act of 1990, ( ADA ). Harassment in the dictionary is described as aggressive pressure or intimidation. This company is allowed to behave any way it desire and Nothing is done about it. The right of the people to be secure in their persons, houses, Harassment is unwelcome conduct that is based on race, color, religion, sex ( including pregnancy ), national origin, age ( XXXX or older ), disability or genetic information.Apply illegal pressure to collect a bill. Questions over personal jurisdiction over foreign operating with in the United States. Action impairing a person from benefiting their rights, arise  when foreign nationals commit crimes against XXXX American against are unreasonable. XXXX, \" being harassed '', demands, personal peace and privacy is being invaded repeatedly. Persistently and wrongfully to annoying, offensive, without cause pressured continue to annoy or upset someone over a period of time : and are using the court system to intimidate, it's identity Theft victims. This wrong to continue to torment the XXXX, senior citizens upset them over and over again with questionable tactics. Demands for money that is not owed by any means. In the legal sense, these are behaviors that appear to be disturbing, upsetting or threatening. Harassment is unwanted, unwelcomed and uninvited behavior that demeans, threatens or offends the victim and results in a hostile environment for the victim. They don't seem to believe that a person have the right to say no. This is not my Debt. Fair Debt Collection Practices Act ( FDCPA ) and Association and contract to do things not unlawful, including practice of a trauma and harassment profession to stop. Status that entails specific rights, duties, and benefits. U.S. citizenship is usually acquired by birth when a child is born in the territory of the United States. The right to peace. A draft declaration on the right to peace prepared by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX will underwrite progressive negotiations aimed at achieving a United Nations Declaration on the right to peace. There are several recorded instances where consumers have tried to stop debt collection related harassment, including phone calls from XXXX XXXX XXXX or XXXX, by bringing lawsuits upon the company. Debt Harassment complaint is a form of torment. Reporting falsely because they are a debt collection company not a factoring company. XXXX XXXX XXXX or XXXX, by bringing lawsuits, There seems to be no limit. including phone calls from XXXX XXXX XXXX or XXXX, by bringing lawsuits. XX/XX/XXXX I was sued for over {$2000.00} for a Debt i didn't owe. From XXXX XX/XX/XXXX. I didn't owe sears {$2000.00}. % XXXX Sued under different name by XXXX XXXX XXXX XXXX XXXX When will they stop!","date_sent_to_company":"2020-06-18T00:59:28.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"32114","tags":"Older American","has_narrative":true,"complaint_id":"3704105","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2020-06-17T23:38:57.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["Harassment is unwanted, unwelcomed and uninvited behavior that demeans, <em>threatens</em> or offends the victim and results in a hostile environment for the victim. They don't seem to believe that a person have the right to say no. This is not my <em>Debt</em>. Fair <em>Debt</em> <em>Collection</em> Practices Act ( FDCPA ) and Association and contract to do things not unlawful, including practice of a trauma and harassment profession to stop. Status that entails specific rights, duties, and benefits."],"product":["<em>Debt</em> <em>collection</em>"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_issue":["<em>Debt</em> was result of identity theft"]},"sort":[14.180327,"3704105"]},{"_index":"complaint-public-v1","_id":"6621845","_score":14.178083,"_source":{"product":"Debt collection","complaint_what_happened":"I received a several phone calls and text messages in XXXX of XXXX from someone saying they were attempting to collect on a debt from a default judgement in Massachusetts small claim court from XXXX. The person texted from XXXX. The caller/texter never fully explained who they were but made it seem like they were a representative of Norfolk Financial Corp , who apparently purchased the debt and obtained the default judgement almost 20 years ago. I informed the person that I only went to college in MA, and hadn't lived there for more then a year when the court docket shows the papers were served to me at an address that wasn't mine, and furthermore the debt wasn't mine. I specifically told them that they were probably looking for my father who shared the same name as me, and lived in the address they had in MA, but they insisted it was mine. They threatened that they were next going to levy my bank account. I asked them for additional details on the original debt understanding that Norfolk Financial is only a debt collection company, and they never responded further. I was able to look the judgement up online in the MA circuit court archives, and it very much looks like there was a default judgement made against most likely my father at that time. \n\nI received another set of calls today, XX/XX/XXXX, allegedly from the same group. The phone call came from XXXX, but they asked me to call back on XXXX. Further texts also came from this number. In the message the female caller identified herself as calling from attorney XXXX XXXX 's office, and provided the docket number from the original default judgement as well as the last 4 digits of my SSN. She said the call from XXXX was from her 'paralegal '. She again threatened me that she would next levy my bank account. Over the phone I reiterated that the debt wasn't mine, I didn't live in MA when the court summons went out, and that it was likely my fathers. After telling this woman that I wasn't interested in talking about this further she abruptly hung up on me. Within a couple of minutes she texted me an image of a document that I assume shows the original debt, which was from XXXX XXXX. The problem is the SSN on it isn't mine, the debt was for an account that was opened in XXXX when I was XXXX XXXX XXXX, I never had any accounts with XXXX XXXX, and again I didn't live in MA when the debt was purchased and the small claims case was prosecuted. I informed her of all of the issues with their attempt to collect this debt, informed her that my father passed away close to 5 years ago with nothing in his estate, and that I would consider any additional attempts at contact would be considered harassment and that I would sue for violations of the FDCPA. \n\nThe second screenshot she sent to me was from a firm called XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX MA XXXX, with a phone number of XXXX and an email of XXXX. I can find no record of an Attorney XXXX or XXXX XXXX or XXXX that works in debt recovery in Massachusetts, but there is a long history of people associated with these numbers and companies doing borderline scam debt recovery, and they are associated with Norfolk Financial which was barred from being licensed as a debt collector in MA so they farm out the actual collection to smaller firms.","date_sent_to_company":"2023-02-28T01:15:00.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"600XX","tags":null,"has_narrative":true,"complaint_id":"6621845","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"D. SCOTT CARRUTHERS","date_received":"2023-02-28T00:28:20.000Z","state":"IL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I informed the person that I only went to college in MA, and hadn't lived there for more then a year when the court docket shows the papers were served to me at an address that wasn't mine, and furthermore the <em>debt</em> wasn't mine. I specifically told them that they were probably looking for my father who <em>shared</em> the same name as me, and lived in the address they had in MA, but they insisted it was mine. They <em>threatened</em> that they were next going to levy my bank account."],"product":["<em>Debt</em> <em>collection</em>"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_product":["Credit card <em>debt</em>"],"sub_issue":["<em>Debt</em> is not yours"]},"sort":[14.178083,"6621845"]},{"_index":"complaint-public-v1","_id":"1802843","_score":14.07833,"_source":{"product":"Consumer Loan","complaint_what_happened":"I had lost my job over the summer ; i took out a loan that i default on it and it isnt till three months at my new job that the collections affords been to the extreme ; they have called from private numbers and even skip trace and started calling family members and leaving voice mails and calls while trying to contact me and mind you i do have a po box also that i have had over a year now to ensure i get my mail and nothing short of this has come my way but more \" news letters '' to get another loan from cashnet usa -- i am short of wanting to pay a retaining fee to get a bankruptcy decree if able to -- to make these people stop from harassing me and my family that i do n't have any contact with! when i told them that i could make a payment in full which is two week from this week and mention that i was going to be filing a complaint and contacting a lawyer which i look up at work and will follow up with the gentleman there then stated i was threatening him and his company and that would not assist me but after that fact he knew that what they were doing was wrong and how they were going about it i need help it could n't afford to even pay my tax penalty for not having health care last year and got that straightened and now they want to continue to hound me through my family members and sharing \" Debt collection '' practices i am willing to pay for a lawyer if i can file bankruptcy so i can get a cesist and dease applied because this enough! i believe they are pretending to be a law firm in my state and also have someone who is contacting me and my family from a private is requesting i meet and sign \" Certified mail ''","date_sent_to_company":"2016-02-26T19:00:27.000Z","issue":"Problems when you are unable to pay","sub_product":"Installment loan","zip_code":"78224","tags":null,"has_narrative":true,"complaint_id":"1802843","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Brookshaw Management, LLC","date_received":"2016-02-24T06:41:18.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["and got that straightened and now they want to continue to hound me through my family members and <em>sharing</em> \" <em>Debt</em> <em>collection</em> '' practices i am willing to pay for a lawyer if i can file bankruptcy so i can get a cesist and dease applied because this enough!"]},"sort":[14.07833,"1802843"]},{"_index":"complaint-public-v1","_id":"3499471","_score":13.14205,"_source":{"product":"Debt collection","complaint_what_happened":"Commonwealth Financial Systems is trying to force me to pay a debt that is not real. They are attempting to collect this fictitious debt on behalf of XXXX XXXX XXXX XXXX, which is a business that I have NEVER been to. There are dozens of XXXX reviews for XXXX XXXX XXXX that are all from people who also have never ever been to XXXX XXXX XXXX, yet have received bills and calls from debt collectors regarding this made up services. Some of these unfortunate targets say that they have actually paid the requested amount, but they still continue to receive new bills.\n\nThe first communication that I received from Commonwealth Financial Systems was extremely suspicious and I believe it may have violated the FDCPA. The caller refused to identify themselves and would not tell me why they were calling or who they represented. The asked me to provide personal information before they would share any information with me regarding the call, which I refused as it clearly seemed like a scam. They asked for my social security number and date of birth. When I asked again what the call was about, the called said that it was \" in regards to a business proposal '', which I now know was a complete lie and is in direct violation of the FDCPA. When I refused to give my personal information, the caller made it clear that they knew my current address, in a manner that I perceived as threatening and distressing. They then said that they would be sending me a letter, which later arrived. \n\nThis letter included the amount of the fictitious debt and named XXXX XXXX XXXX XXXX as the debt holder. The letter indicated that if I did not dispute this claim within 30 days, that they would assume it was legit, which can not honestly be the appropriate way to approach debt collection. \n\nI called the number at the bottom of the letter with the correct extension and asked for the person named at the bottom of the letter. I was told that this person worked in a different department even though I dialed his extension. The person who answered the phone then said my name and that they knew it was me calling, despite me not identifying myself to them. They then immediately asked me for my date of birth and social security number again. I told them I was not comfortable giving out this information. They transferred me to someone who I was told was a manager, and the same process repeated. I asked why I should give out personal information to such a suspicious party and the manager only insisted that they were legit, \" of course we're legit, we sent you a letter. '' was his only explanation. I refused to give my personal information to this shady company regarding a fake debt. This is a clear and obvious scam.","date_sent_to_company":"2020-01-17T07:16:53.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"90057","tags":null,"has_narrative":true,"complaint_id":"3499471","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Commonwealth Financial Systems, Inc.","date_received":"2020-01-17T01:51:20.000Z","state":"CA","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["When I refused to give my personal information, the caller made it clear that they knew my current address, in a manner that I perceived as <em>threatening</em> and distressing. They then said that they would be sending me a letter, which later arrived. \n\nThis letter included the amount of the fictitious <em>debt</em> and named XXXX XXXX XXXX XXXX as the <em>debt</em> holder."],"product":["<em>Debt</em> <em>collection</em>"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_product":["Medical <em>debt</em>"],"sub_issue":["<em>Debt</em> is not yours"]},"sort":[13.14205,"3499471"]},{"_index":"complaint-public-v1","_id":"14820928","_score":12.794599,"_source":{"product":"Debt collection","complaint_what_happened":"RE : Collection account from XXXX XXXX XXXX XXXX XXXX {$880.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX From : XXXX XXXX This is on my credit and I keep getting calls threatening me. \n\n1. There are 3 points in which this collection is null and void and I will share those with you here. This account was opened in XXXX and I was a minor at that time. \nAS A MINOR I WAS NOT LEGALLY ABLE TO CONSENT TO MEDICAL CARE so this should not be on my report. \n\n2. This company XXXX XXXX XXXX bankruptcy. They have closed down and I am unable to reach them or get products and services as they are not in operation. Many lawsuits have been filed on them for this. I was not able to receive care nor did I receive full retainers, treatments and visits, they broke their contract. \n\n3. This is medical debt that I wasn't even aware of and should be removed from my credit reports. \n\n-- United States legislation dictates that a minors parent ( s ) or legal guardian ( s ) are responsible for paying said minors medical bills. This means, as many would rightly assume, that a minor bears no responsibility for paying off debts incurred by medical procedures, treatments, or medications that they might need. \n\nA minor can not enter into a legal contract because they do not have the capacity to consent to such a binding agreement. This means that requiring a person to pay medical bills accumulated when they were a child is unethical and legally unsound because that child never entered into the contract, their parents did. Thus, they can not now be required to uphold a contract to which they did not consent. Furthermore, because minors are not legally permitted to enter into binding legal contracts, debt collection agencies can not demand payment from someone who was a minor when the debt was incurred. \n\nPer FDCPA- Under the Fair Debt Collection Practices Act, debt collection attempts that are not legally sanctioned can not be enforced. \nSince the transferral of a minors medical debt from the parents to the now-adult child is not legally allowed, debt collectors are not entitled to attempt this type of collection. \nMany legal requirements regarding health-related issues apply to minors. Under Texas law, a patient is considered a minor if he or she is younger than XXXX, has never been married, and has not been legally declared an emancipated minor ( Texas Family Code, 101.003 ).\n\nTexas Family Code 101.003 ; 31.001-31.007 ; 32.003-004 ; 32.202 ; Texas Civil Practices & Remedies Code 129.00 including medical care. \nTexas Family Code Section 151.001 regarding consent and parental rights : Consent to Medical and Dental Care : Parents have the right to consent to their child 's medical, dental, and surgical treatment, including immunizations. In cases of immediate danger to the child 's health and safety, parents can consent to medical treatment.\n\nMinor Consent : Generally, minors can not consent to medical treatment in Texas, but there are exceptions based on the minor 's status ( e.g., being married and pregnant or a parent ) this type of service which did not apply to me.\n\nTexas Law Texas Health & Safety Code, Chapter 185 This chapter requires health care providers to provide specific information to patients before their medical debt can be sent to a collection agency. \nSB 1264, 86th Legislature This bill, which became law on XX/XX/XXXX, added and amended many sections of the Texas Insurance Code to protect consumers from surprise medical bills.\n\nFederal Law No Surprises Act ( HR 133, 116th Congress ) Title I of the Consolidated Appropriations Act of 2021 contains the text of the federal \" No Surprises Act. '' This law created protections against balance billing and surprise balance bills. \nFederal Regulations In XXXX the Consumer Financial Protection Bureau ( CFPB ) finalized a federal rule to prohibit the use of medical debt in credit reports. \nProhibition on Creditors and Consumer Reporting Agencies Concerning Medical Information ( Regulation V ) The text of the CFPB 's final rule on prohibiting medical debt from appearing on credit reports.\n\n12 CFR Part 1022 In 2025, sections 1022.3, 1022.30, and 1022.38 of this rule were amended to remove medical debts from credit reports. \nCFPB Finalizes Rule to Remove Medical Bills from Credit Reports This news article from CFPB reports on the CFPB 's final rule to prohibit medical debt from appearing on credit reports. \nMedical Debt Struck From Credit Reports Under Final CFPB Rule ( Bloomberg Law ) Per FDCPA- Under the Fair Debt Collection Practices Act ( more commonly referred to as the FDCPA ), debt collection attempts that are not legally sanctioned can not be enforced.","date_sent_to_company":"2025-08-28T19:01:40.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Medical debt","zip_code":"776XX","tags":null,"has_narrative":true,"complaint_id":"14820928","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Healthcare Finance Direct LLC.","date_received":"2025-07-24T02:41:31.000Z","state":"TX","company_public_response":null,"sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["Furthermore, because minors are not legally permitted to enter into binding legal contracts, <em>debt</em> <em>collection</em> agencies can not demand payment from <em>someone</em> who was a minor when the <em>debt</em> was incurred. \n\nPer FDCPA- Under the Fair <em>Debt</em> <em>Collection</em> Practices Act, <em>debt</em> <em>collection</em> attempts that are not legally sanctioned can not be enforced."],"product":["<em>Debt</em> <em>collection</em>"],"issue":["Took or <em>threatened</em> to take negative or legal action"],"sub_product":["Medical <em>debt</em>"],"sub_issue":["<em>Threatened</em> or suggested your credit would be damaged"]},"sort":[12.794599,"14820928"]},{"_index":"complaint-public-v1","_id":"14821226","_score":12.765334,"_source":{"product":"Debt collection","complaint_what_happened":"RE : Collection account from -William Rush & Associates XXXX {$880.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX From : XXXX XXXX This is on my credit and I keep getting calls threatening me. \n\n1. There are 3 points in which this collection is null and void and I will share those with you here. This account was opened in XXXX and I was a minor at that time. \nAS A XXXX  I WAS NOT LEGALLY ABLE TO CONSENT TO MEDICAL CARE so this should not be on my report. \n\n2. This company XXXX XXXX Filed bankruptcy. They have closed down and I am unable to reach them or get products and services as they are not in operation. Many lawsuits have been filed on them for this. I was not able to receive care nor did I receive full retainers, treatments and visits, they broke their contract. \n\n3. This is medical debt that I wasn't even aware of and should be removed from my credit reports. \n\n-- XXXX XXXX legislation dictates that a minors parent ( s ) or legal guardian ( s ) are responsible for paying said minors medical bills. This means, as many would rightly assume, that a minor bears no responsibility for paying off debts incurred by medical procedures, treatments, or medications that they might need.\n\nA minor can not enter into a legal contract because they do not have the capacity to consent to such a binding agreement. This means that requiring a person to pay medical bills accumulated when they were a child is unethical and legally unsound because that child never entered into the contract, their parents did. Thus, they can not now be required to uphold a contract to which they did not consent. Furthermore, because minors are not legally permitted to enter into binding legal contracts, debt collection agencies can not demand payment from someone who was a minor when the debt was incurred.\n\nPer FDCPA- Under the Fair Debt Collection Practices Act, debt collection attempts that are not legally sanctioned can not be enforced.\n\nSince the transferral of a minors medical debt from the parents to the now-adult child is not legally allowed, debt collectors are not entitled to attempt this type of collection.\n\nMany legal requirements regarding health-related issues apply to minors. Under Texas law, a patient is considered a minor if he or she is younger than 18, has never been married, and has not been legally declared an emancipated minor ( Texas Family Code, 101.003 ).\n\nTexas Family Code 101.003 ; 31.001-31.007 ; 32.003-004 ; 32.202 ; Texas Civil Practices & Remedies Code 129.00 including medical care.\n\nTexas Family Code Section 151.001 regarding consent and parental rights : Consent to Medical and Dental Care : Parents have the right to consent to their child 's medical, dental, and surgical treatment, including immunizations. In cases of immediate danger to the child 's health and safety, parents can consent to medical treatment.\n\nMinor Consent : Generally, minors can not consent to medical treatment in Texas, but there are exceptions based on the minor 's status ( e.g., being married and pregnant or a parent ) this type of service which did not apply to me.\n\nTexas Law Texas Health & Safety Code, Chapter 185 This chapter requires health care providers to provide specific information to patients before their medical debt can be sent to a collection agency.\n\nSB 1264, 86th Legislature This bill, which became law on XX/XX/XXXX, added and amended many sections of the Texas Insurance Code to protect consumers from surprise medical bills.\n\nFederal Law No Surprises Act ( HR 133, 116th Congress ) Title I of the Consolidated Appropriations Act of XXXX contains the text of the federal \" No Surprises Act. '' This law created protections against balance billing and surprise balance bills. \nFederal Regulations In XXXX the Consumer Financial Protection Bureau ( CFPB ) finalized a federal rule to prohibit the use of medical debt in credit reports. \nProhibition on Creditors and Consumer Reporting Agencies Concerning Medical Information ( Regulation V ) The text of the CFPB 's final rule on prohibiting medical debt from appearing on credit reports.\n\n12 CFR Part 1022 In 2025, sections 1022.3, 1022.30, and 1022.38 of this rule were amended to remove medical debts from credit reports.\n\nCFPB Finalizes Rule to Remove Medical Bills from Credit Reports This news article from CFPB reports on the CFPB 's final rule to prohibit medical debt from appearing on credit reports.\n\nMedical Debt Struck From Credit Reports Under Final CFPB Rule ( Bloomberg Law ) Per FDCPA- Under the Fair Debt Collection Practices Act ( more commonly referred to as the FDCPA ), debt collection attempts that are not legally sanctioned can not be enforced.","date_sent_to_company":"2025-08-01T16:47:05.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Medical debt","zip_code":"776XX","tags":null,"has_narrative":true,"complaint_id":"14821226","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Williams, Rush & Associates, LLC","date_received":"2025-07-24T02:53:57.000Z","state":"TX","company_public_response":"Company believes complaint represents an opportunity for improvement to better serve consumers","sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["Furthermore, because minors are not legally permitted to enter into binding legal contracts, <em>debt</em> <em>collection</em> agencies can not demand payment from <em>someone</em> who was a minor when the <em>debt</em> was incurred.\n\nPer FDCPA- Under the Fair <em>Debt</em> <em>Collection</em> Practices Act, <em>debt</em> <em>collection</em> attempts that are not legally sanctioned can not be enforced."],"product":["<em>Debt</em> <em>collection</em>"],"issue":["Took or <em>threatened</em> to take negative or legal action"],"sub_product":["Medical <em>debt</em>"],"sub_issue":["<em>Threatened</em> or suggested your credit would be damaged"]},"sort":[12.765334,"14821226"]},{"_index":"complaint-public-v1","_id":"1787854","_score":12.533435,"_source":{"product":"Debt collection","complaint_what_happened":"There were a number of other violations that I could have chosen on the previous question : Communication tactics : Threatened to take legal action, Continued attempts to collect debt I do not owe : Debt is not mine, False statements or representation : Indicated committing crime by not paying debt AND Impersonated attorney, and Improper contact or sharing of information : Talked to a third party about my debt. However, the threat to sue on a debt that is too old to be sued on is the most significant to me, as the alleged debt is outside the statute of limitations and can no longer be collected upon. \n\nMy dad was called by someone who was serving him notice via phone of a \" debt-related civil action pending against [ me ]. '' He was told to take down a phone number and a file number and have me call the company. When I called, I spoke to XXXX XXXX who, after several minutes of prompting, identified company as XXXX XXXX. I was told the company was a law office looking to collect on US Bank credit card account closed in 2008, an account I knew nothing about. I raised concern over the fact that I had never heard of the account or received any type of phone call or literature regarding collection, and over the fact that the debt was disclosed to my father, rather than through direct contact at my number. XXXX first told me they had been calling my number repeatedly and I had been ignoring the calls ( I had never received a call ) and later changed to \" this is the first time we 've sought contact with you. '' I could not get her to tell me the dollar amount of the account more specifically than \" over one thousand dollars. '' I accused the business and account of being illegitimate, and XXXX raised her voice at me and rattled off my full social security number to me twice, despite my protest and pointing out that practice was illegal. She spent the remainder of her time on the phone with me asking why I had n't paid, \" what [ was ] wrong with [ me ], '' and telling me that I needed to pay or they would sue me. I was transferred to transferred to XXXX XXXX. XXXX gave me the total in question ( ~ {$1200.00} ). When I told her the account was not mine, she told me to visit my credit report and mark the account as being the product of identity theft. She told me an investigation into the validity of the account would take approximately 30 days and that she would start the process of having me served with a summons so I could later appear in court with the record of dispute. She asked for my current address to do this ; I gave it to her and got off the phone. \n\nI checked my credit report where I found no record of the US Bank account. I checked a report generated a year ago and saw the account. The account is not mine ; I have zero recollection of opening or paying on this account. I attempted to open a dispute, and was unable to because the account had come off my report the year prior. I called the company back. I initially spoke to a man who told me that this was obviously my account, accused me of deliberate lying, and demanded I pay the amount today because they planned to garnish my wages or put a lien on my car to satisfy judgment rendered against me. He was speaking to me in a very accusatory and threatening manner, so I demanded that I be able to speak to XXXX again. She told me my only option was to pay or I would be sued. I caved in and I agreed, setting up XXXX payments to begin on the XXXX for an account that is not even mine. I was then transferred to a member of the \" accounting department '' who asked to record me. I allowed him, and he asked that I state my name, address, and telephone number to verify my personal information. \n\nI later contacted my attorney who informed me I had been victim to illegal practices under the Fair Debt Collection Practices Act and encouraged me to begin the process of protecting my information.","date_sent_to_company":"2016-02-15T17:12:10.000Z","issue":"Taking/threatening an illegal action","sub_product":"Credit card","zip_code":"11590","tags":"Servicemember","has_narrative":true,"complaint_id":"1787854","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2016-02-15T17:12:10.000Z","state":"NY","company_public_response":"Company chooses not to provide a public response","sub_issue":"Threatened to sue on too old debt"},"highlight":{"complaint_what_happened":["There were a number of other violations that I could have chosen on the previous question : Communication tactics : <em>Threatened</em> to take legal action, Continued attempts to collect <em>debt</em> I do not owe : <em>Debt</em> is not mine, False statements or representation : Indicated committing crime by not paying <em>debt</em> AND Impersonated attorney, and Improper contact or <em>sharing</em> of information : Talked to a third party about my <em>debt</em>."],"product":["<em>Debt</em> <em>collection</em>"],"sub_issue":["<em>Threatened</em> to sue on too old <em>debt</em>"]},"sort":[12.533435,"1787854"]},{"_index":"complaint-public-v1","_id":"20787785","_score":12.409289,"_source":{"product":"Debt collection","complaint_what_happened":"Today, XX/XX/year>, I was contacted by a company called XXXX XXXX International at XXXX PM. They contacted me stating that I owed them a debt that they had purchased, and that payment was due. I asked what the debt was in regard to, and they explained what the debt was and how much was owed. \nI explained that I could not pay that amount in full and asked if there was something else that could be done, as I did not have the funds. After explaining my situation more in depth to the first representative I spoke with, whose name I did not get, she explained that there was a hardship program and that she would take my information down for it. She took all of my information and asked about my taxes, i informed her i was not getting anything back this year. She the said she would transfer me to her supervisor. \nWhen I got on the phone with the supervisor, she was very rude. I tried to explain my situation, but she dismissed everything I said and stated that I had to pay today and that I could get the money some way. I explained that I could not. She then told me to take out a loan or ask family to help. I explained that I am the XXXX supporting my whole family and that I have no one to turn to for help. I asked if I could make a payment when I got paid on the eighth, explaining that I would not be able to pay in full but could make payments. She became highly disrespectful and stated that since I could not pay today, they would be sending my account to collections the next day. \nI became emotional and stated, XXXX, I dont know what else you want me to do or say, I dont have the funds in full. She then stated that the call was being recorded and asked if I wanted a judge to hear the recording. I stated that the judge could hear it, because I was trying to pay but they were not giving me any options to do so. She then informed me that my account had been in collections since XX/XX/XXXX. I explained that I was unaware of that because I had communicated with my apartment complex and had provided them with my new address. I also told them before I moved that if there were any issues, to send correspondence to my previous apartment address, as my mail would be forwarded. The agent stated that had nothing to do with them, that the account had been in collections since XX/XX/XXXX, that they were the company before collections, and that if I did not pay immediately, my account would go to collections. I continued trying to explain that I wanted to pay and asked about the hardship plan that was offered to me. She kept repeating that I had to pay in full today. I ended the call. \nI called back at XXXX PM and spoke to another representative. I explained what had just happened, that I had been treated disrespectfully and that I was trying to resolve the issue but the previous agent kept repeating the same thing without offering any resolution. I requested to speak with a supervisor above the previous agent. The representative said good to know and transferred me. \nWhen I reached that supervisor, I again explained that I had just experienced a disrespectful interaction and that I was calling to resolve the issue. I told him that I had been offered a hardship plan and wanted to explore that option. He was no better. He gave his name only as XXXX, with no last name provided. After I explained my situation, he told me the same thing, to get a loan or have someone cosign. I explained that was not possible, as I already had XXXX loans out and my credit was not good. He then suggested I take money out of the stock market. I never stated to anyone on these calls that I had money in the stock market. He continued pushing for other ways for me to obtain the money, and when I explained that none of those options were available to me and that I wanted to use the hardship program and make a payment on the eighth, he stated that I was blaming the economy for my situation. \nThat was deeply hurtful, especially given that I had just shared personal financial details in good faith, details I would not have shared had I known they would be used against me rather than to help me access the hardship program I was offered. I told him that I hoped he never had to go through a difficult time in his life, because saying something like that to someone who is trying to resolve an issue and has just explained a difficult financial situation is harmful. \nI asked if he was a supervisor. He confirmed that he was. I asked if he was the supervisor of the agent I had spoken to earlier. He stated they were all supervisors. I asked to speak to his supervisor, someone over him. He told me I had already spoken to XXXX people and that they were all going to tell me I had to pay in full. I again requested to speak to his supervisor. He again stated they would all say the same thing. I asked directly, Are you denying me the opportunity to speak to your supervisor? He said hold on without indicating he was transferring me. I was then sent to a voicemail. I left a message explaining what had happened and ended the call. \nAt no point during any of these interactions was I provided with a workable payment option or access to the hardship program that was offered to me at the start of the call. The representatives used scare tactics, including threatening that my account would go to collections and asking whether I wanted a judge to hear the recording, in an effort to pressure me into paying in full on the same day, despite my repeated and good faith attempts to make arrangements to pay.","date_sent_to_company":"2026-03-30T21:47:15.000Z","issue":"Communication tactics","sub_product":"Rental debt","zip_code":"30094","tags":"Servicemember","has_narrative":true,"complaint_id":"20787785","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"T.S. Holdings","date_received":"2026-03-30T21:15:52.000Z","state":"GA","company_public_response":null,"sub_issue":"Used obscene, profane, or other abusive language"},"highlight":{"complaint_what_happened":["The representatives used scare tactics, including <em>threatening</em> that my account would go to <em>collections</em> and asking whether I wanted a judge to hear the recording, in an effort to pressure me into paying in full on the same day, despite my repeated and good faith attempts to make arrangements to pay."],"product":["<em>Debt</em> <em>collection</em>"],"sub_product":["Rental <em>debt</em>"]},"sort":[12.409289,"20787785"]},{"_index":"complaint-public-v1","_id":"3379611","_score":10.848979,"_source":{"product":"Debt collection","complaint_what_happened":"Back in XX/XX/XXXX, our daughter was attending her second year, as a sophomore, at University of XXXX XXXX XXXX. In doing so, she applied to lease an apartment at XXXX XXXX Apartments to be close to school, family attending XXXX, as well as, friends attending and living at XXXX XXXX Apartments. She was approved for a lease but was told she needed a co-signer due to her age being XXXX XXXX XXXX, having what XXXX XXXX Apts. considered being no/ghost credit and no rental history. As any proud father would do, I gladly agreed to co-sign without a doubt, as our plan was to help our daughter succeed and reach her educational/career goals. She was also fortunate enough to move into a 2 bedroom apartment with her best friend as her roommate. Unfortunately, during her first month as a tenant at XXXX XXXX Apartments and a few weeks into her Fall Semester at school, she fell extremely ill and would not only have to take an extended leave of absence from school, but she had to submit an early lease termination at XXXX XXXX Apartments also. In doing so, we followed all proper procedures according to XXXX XXXX Apartments Management, at the time. It was our clear and definite understanding that we would still be financially liable for any unpaid rent according to their Student One Year Lease Term ; XX/XX/XXXX ( move-in date ) through XX/XX/XXXX, unless the Leasing Office could sublet/sublease the apartment room our daughter was assigned to in the 2 bedroom apartment. Then, the only monies owed/ due from us would be for any of the months that the apartment room was unoccupied/not subleased. We had no issues with that and again, understood, as it seemed fair due to the unfortunate circumstances. We agreed to contact XXXX XXXX Apartments on a monthly basis to follow up on the rent accordingly. Upon our initial call, we were notified that they were able to sublease the room and it would be occupied as of XX/XX/XXXX and that we were no longer obligated to pay any additional monies due to policy and procedures set forth. Upon notification, our daughter also confirmed with her best friend ( ex-roommate ), whom was still leasing the other room in the same exact apartment and she mentioned she indeed had a New Roommate that took over the room our daughter had been assigned. Her best friend continued to lease the same exact room in the same exact apartment/unit for the next 3 years while continuing her education. She also shared/communicated with our daughter every time someone moved out and a New Roommate moved into that room. \nHence, our dilemma begins ; at some point over the years the apartments had some changes in Debtors, Borrowers, Trustees, Lenders and Lien HoldeXXXX according to XXXX County Clerks Office Records Department in XXXX XXXX, Texas. At which point, due to the changes Phoenix Recovery Group contacted me in XXXX threatening legal action against me if I didnt pay an outrageous amount of debt they claim is owed to XXXX XXXX Apartments. Immediately, I explained our situation to them and they were still adamant that I pay, unless I could prove otherwise. With that being said, I contacted XXXX XXXX Apartments and spoke to the Manager at the time, which stated that they have no record of anything on the premises dating back that far and frankly after 3 years they shred everything in their records department which is located elsewhere. I asked for their management companys phone number and she refused to give me a name or number and proceeded to hang up on me. I called back several times and would be asked by various receptionists my name and nature of the call, then I would be placed on hold for long periods of time and eventually someone would pick up the receiver and immediately hang up. \nConsequently, I began my research into the matter ; all the while Phoenix Recovery Group repeatedly called threatening legal action and stated it was already reflecting on my credit, as well as, our daughters. I diligently contacted all entities tied to XXXX XXXX Apartments that I could find in Public Records, to no avail, I never received any call backs or written correspondence from anyone. Although, we did contact our daughters best friend/ex-roommate, which was actually still residing at XXXX XXXX Apartments in the same exact room since day one. She was able to give us the names of the students/roommates that rented the adjoining room in that original apartment. When I called and shared that information with Phoenix Recovery Group, I was told that they had no record of the information and could do nothing with what I provided. I also hired and paid for professional services with XXXX XXXX and XXXX XXXX XXXX to resolve the matter and they too have stated that Phoenix Recovery Group has not provided any proof to validate their claim and refuse follow up on the information we provided as proof of actual tenants that resided in that apartment during the time period as to which they are referring in their collection file. \nDue to the nature and seriousness of this situation and how it is affecting my livelihood, employment and home purchasing I would like to follow up with XXXX XXXX Apartments and Phoenix Recovery Group to have this collection item removed from my credit and all credit reporting/recording agencies, and the same goes for my daughter. Initially, this occurred 7 years ago and has become exhausting ; please help me and my family. I have included a copy of my recent Credit Report from XXXX XXXX, as I have begun the home buying process and this is preventing moving forward. I also included the Credit Bureaus/Agencies contact information which currently are reporting this. I truly appreciate your time and consideration in this matter, as time is truly of the essence, under the circumstances.","date_sent_to_company":"2019-09-19T17:32:03.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"78748","tags":null,"has_narrative":true,"complaint_id":"3379611","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"The Phoenix Recovery Group","date_received":"2019-09-19T17:01:49.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["At which point, due to the changes Phoenix Recovery Group contacted me in XXXX <em>threatening</em> legal action against me if I didnt pay an outrageous amount of <em>debt</em> they claim is owed to XXXX XXXX Apartments. Immediately, I explained our situation to them and they were still adamant that I pay, unless I could prove otherwise."],"product":["<em>Debt</em> <em>collection</em>"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_product":["Other <em>debt</em>"],"sub_issue":["<em>Debt</em> is not yours"]},"sort":[10.848979,"3379611"]},{"_index":"complaint-public-v1","_id":"1386289","_score":10.736576,"_source":{"product":"Consumer Loan","complaint_what_happened":"Where is th resloution????????? It 's almost XXXX months later. Can someone just call me or update me? \n\n\nCase number : XXXXRelated Case NumberXXXX What happened Describe what happened so we can understand the issue ... \nI gave up my car for volentary repo with XXXX XXXX in XXXX due to me being laid off. They sold the car to another lender for {$4200.00} who took me to court ( which I was not aware of ) and has now attached my wages for {$10000.00}. When I called back in XXXX XXXX I spoke with a XXXX who said they need {$1200.00} from me to detach my wages and make payment arrangements with them I specifically asked her when the monies they were receiving from the wage garnishment was at {$1200.00} I could call and make payment arrangements and she said yes and my payments would be very low. Yesterday I called to make payment arrangements and they now say I need to pay {$2000.00} to be able to do that ( which they have ) and the monies received from the garnishment do not count to remove the garnishment. \nThis is about a ( n ) Debt collection : Auto Which of these best describes your issue? Taking/threatening an illegal action : Seized or attempted to seize propertyDesired resolution What do you think would be a fair resolution to your issue? \nAll I want is to have the garnishment removed and I will ay them monthly as I stated to them several times. They are talking alomst {$400.00} per paycheck which is hard to survive off of especially supporting a child. \nConsumer informationContact informationMailing address XXXX XXXX XXXX XXXX NV XXXX United States XXXX AgeXXXXCompany Submitted AgainstAutovest, L.L.C. \n\nXXXX XXXX XXXX, XXXX XXXX XXXX XXXX MI XXXX United StatesDebt Collector InformationAutovest, L.L.C. \n\n\n\nXXXX XXXX XXXX, XXXX XXXX XXXX XXXXDebt collector representativeNumerousCreditor InformationXXXX XXXX XXXX XXXXSubmit a complaint against creditorYesComplaint history Auto-Response XXXX/XXXX/XXXX XXXX XXXX expect companies to respond to every complaint within a reasonable amount of time. The company has not responded in full to your complaint and is now late in getting back to you. This is unacceptable, and we apologize that you 've had to wait this long for a response. \n\n\n\nWhat happens next? \n\nWe 'll start an investigation and keep trying to get a response from the company. We 'll keep you updated on what we hear. While we do n't specifically advocate for your desired resolution, we do look at all the information provided by both sides to see if any consumer financial protection laws were potentially broken. These laws include a requirement to respond to you in a timely manner. \n\n\n\nWe also share the company 's failure to respond to your complaint on our website : consumerfinance.gov/complaintdatabase alerting other consumers that XXXX do business with your company about their failure to respond to your complaint. \n\n\n\nCan I hire my own lawyer to look into this? \n\nXXXX. While we ca n't give legal advice or represent individuals in legal matters, if you want more help you can contact a private attorney or your local legal aid office for free or low-cost legal resources at www.lsc.gov. \n\n\n\nWhere can I find more information? \n\nIf you have questions, call us at XXXX XXXX ) XXXX ( XXXX XXXX or visit us at consumerfinance.gov/askcfpb. \n\n\nIWe also welcome your feedback on how our complaint process has worked for you. If you would like to share your story, go to https : //help.consumerfinance.gov/app/tellyourstory. \n\n\n\n\n\n\n\n\n\nThank you, XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX XXXX Customer XXXX XXXX XXXX/XXXX/XXXX XXXX","date_sent_to_company":"2015-05-27T16:09:00.000Z","issue":"Problems when you are unable to pay","sub_product":"Vehicle loan","zip_code":"894XX","tags":null,"has_narrative":true,"complaint_id":"1386289","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Autovest, L.L.C.","date_received":"2015-05-21T06:43:30.000Z","state":"NV","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["This is about a ( n ) <em>Debt</em> <em>collection</em> : Auto Which of these best describes your issue? Taking/<em>threatening</em> an illegal action : Seized or attempted to seize propertyDesired resolution What do you think would be a fair resolution to your issue? \nAll I want is to have the garnishment removed and I will ay them monthly as I stated to them several times. They are talking alomst {$400.00} per paycheck which is hard to survive off of especially supporting a child."]},"sort":[10.736576,"1386289"]},{"_index":"complaint-public-v1","_id":"13255877","_score":10.673124,"_source":{"product":"Debt collection","complaint_what_happened":"YOUR COMPLAINT From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Email : XXXX Date : XX/XX/XXXX Subject : Urgent Complaint Against Portfolio Recovery Associates for Continued FDCPA and FCRA Violations Dear CFPB, I am filing this complaint to formally report Portfolio Recovery Associates , LLC for ongoing, malicious, and unlawful debt collection and credit reporting practices that have directly violated my legal rights under both federal and state laws. Despite my repeated efforts to resolve this issue respectfully and legally, PRA continues to harass me, ignore written requests, and maliciously harm my credit profile by furnishing inaccurate, unverifiable, and unauthorized information to as many as 12 credit bureaus, including Equifax. Background : I have sent three written requests demanding debt validation and an assignment contract, as required under 15 U.S. Code 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). Instead of proper validation, PRA has only responded with generic credit card statements, which do not satisfy legal debt validation requirements. They refuse to disclose how much they purchased the alleged debt for, which is a critical part of proving ownership. As you know, once a debt is charged off, it is often transferred into a structured trust and pooled with other debts. In these cases, the ownership becomes obscured, and third-party collectors like PRA often lack proper legal standing to collect or report the debt. After I sent a cease and desist letter, PRA ignored it and then went so far as to report the account to Equifax, escalating their malicious actions after I legally revoked their right to contact me. Legal Violations : FDCPA 809 ( b ) 15 U.S.C. 1692g ( b ) : PRA failed to provide proper validation of the debt despite multiple written requests. Their vague replies with generic billing statements are not sufficient proof under the FDCPA. FDCPA 805 ( c ) 15 U.S.C. 1692c ( c ) : I clearly submitted a cease and desist letter, yet PRA has continued to contact me indirectly through reporting, which is a violation of my right to be left alone under the law. Fair Credit Reporting Act 15 U.S.C. 1681s-2 ( a ) : PRA has reported this debt without complete or accurate investigation, which is a violation of their duty to report only verifiable, complete, and accurate data. The Grim Bail Leach Act ( referring to the Fair Debt Buyer Practices Act and elements of consumer protection law often referenced in financial trust violations ) : PRAs likely involvement in purchasing pooled debts from a trust without proper legal assignment or chain of custody creates serious standing and jurisdiction issues. If they can not prove ownership through contract assignment, they have no legal authority to collect or report this alleged debt. Violation of My Due Process Rights : I was never properly notified of any assignment or sale of the debt, nor was I presented with any opportunity to dispute this before it was maliciously placed on my credit report. This is deceptive, harmful, and intended to coerce payment under duress Fair Solution : Immediate removal of any and all entries from Portfolio Recovery Associates on all credit reporting agencies, including XXXX XXXX XXXX and any others they may have contacted. A formal investigation into PRAs continued violations and refusal to honor consumer protection laws. PRA must be permanently barred from ever contacting me again in writing, phone, email, or courier, and be prohibited from furnishing information about this alleged debt in the future. I request that PRA be fined or penalized for their pattern of abuse against not just myself but other consumers who have also reported similar misconduct. This is a matter of abuse of the credit system, and PRA has demonstrated repeated, intentional violations of law. Their actions have affected my ability to rebuild my credit, and their refusal to follow federal law is unacceptable. Please treat this complaint as urgent and respond with appropriate action. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX Email : XXXX CFPB Orders Repeat Offender Portfolio Recovery Associates to Pay More Than {$24.00} XXXX for Continued Illegal Debt Collection Practices and Consumer Reporting Violations Debt collection giant filed lawsuits even when it lacked documentation about the debt XX/XX/XXXX Share & print XXXX XXXX XXXX  The Consumer Financial Protection Bureau ( CFPB ) took action today against Portfolio Recovery Associates, one of the largest debt collectors in the nation, for violating a XXXX CFPB order and engaging in other violations of law. The CFPB filed a proposed order today that, if entered by the court, would require Portfolio Recovery Associates to pay more than {$12.00} XXXX to consumers harmed by its illegal debt collection practices, in addition to a {$12.00} XXXX penalty that would be deposited into the CFPBs victims relief fund. Portfolio Recovery Associates violated the XXXX order by collecting on unsubstantiated debt, collecting on debt without providing required documentation and disclosures to consumers, suing or threatening legal action against consumers without offering or possessing required documentation, and suing to collect on debt outside the statute of limitations. Portfolio Recovery Associates also failed to properly investigate and resolve consumer disputes about the company 's credit reporting. Todays action is one of many actions the CFPB has recently taken to hold repeat offenders accountable. \n\nAfter getting caught red-handed in XXXX, Portfolio Recovery Associates continued violating the law through intimidation, deception, and illegal debt collection tactics and lawsuits, said CFPB Director XXXX XXXX . CFPB orders are not suggestions, and companies can not ignore them simply because they are large or dominant in the market. \n\nPortfolio Recovery Associates is a wholly owned subsidiary of publicly traded PRA Group ( XXXX : PRAA ) and is one of the largest debt collectors in the United States. The companys principal headquarters is in XXXX, Virginia. PRA Group reported net income of over {$180.00} XXXX in XXXX. \n\nIn XX/XX/XXXX, the CFPB ordered Portfolio Recovery Associates to pay more than {$27.00} XXXX in consumer refunds and penalties for deceptive debt collection tactics. In that case, the CFPB found that Portfolio Recovery Associates collected on unsubstantiated debt, filed misleading affidavits in debt-collection actions, misrepresented that it intended to prove debts if consumers contested them, and misrepresented that the company had legally enforceable claims to debts outside of the applicable statutes of limitations. \n\nThe XXXX order required Portfolio Recovery Associates to adhere to provisions including prohibitions on : Collecting debts without a reasonable basis, Selling debt, Threatening or filing collection lawsuits without an intent to prove the debt, Filing false or misleading affidavits in debt-collection actions, Making false or misleading representations, and Collecting or suing on debt that was outside the statute of limitations. \nIn todays complaint, the CFPB charged Portfolio Recovery Associates with violating numerous requirements of the XXXX order during the five-year period the order was in effect and engaging in deceptive conduct in violation of the Fair Debt Collection Practices Act and the Consumer Financial Protection Act, including : Making representations about unsubstantiated debts : Portfolio Recovery Associates made at least tens of thousands of representations about unsubstantiated, disputed debts, failing to review the required documentation to support the claim.\n\nThreatening consumers with potential legal actions and initiating debt collection lawsuits without offering or possessing required documentation : Portfolio Recovery Associates lawyers sent millions of form letters to consumers notifying them of potential legal action without offering to provide all required documents. Portfolio Recovery Associates also initiated thousands of legal actions against consumers when it lacked proper documentation about the debt.\n\nMisrepresenting that it would provide certain documents within thirty days : The form letter notifying consumers of potential legal action stated that, upon receipt of a written request from the consumer, Portfolio Recovery Associates would provide within 30 days of request the proof of documentation mentioned in the letter. On numerous occasions, Portfolio Recovery Associates failed to timely provide these documents after receiving a consumers written request for them. This impeded consumers ability to determine whether a debt was truly owed and how they should respond to allegations of outstanding debts. \nCollecting on time-barred debt without making required disclosures : On numerous occasions, Portfolio Recovery Associates did not provide the required disclosures to consumers when collecting on debts beyond the statute of limitations. When the company purchased debt, it estimated the statute of limitations that governed the debt, and in some cases that date was later than the actual statute of limitations. \nSuing to collect on time-barred debt : Portfolio Recovery Associates initiated at least dozens of lawsuits for debt that was too old to legally enforce. In doing so, Portfolio Recovery Associates falsely represented that those consumers had legally enforceable obligations to pay those debts when in fact they did not because the debt was outside the statute of limitations. \nThe CFPB also alleges that Portfolio Recovery Associates committed numerous violations of the Fair Credit Reporting Act and its implementing Regulation V, which include : Failing to inform consumers about investigation outcomes : On numerous occasions when Portfolio Recovery Associates determined that a consumers dispute was frivolous or irrelevant, it failed to timely inform the consumer about what information would be necessary for Portfolio Recovery Associates to investigate the dispute. \nFailing to timely resolve disputes : On at least tens of thousands of occasions, Portfolio Recovery Associates failed to resolve disputes within the required time. \nConducting unreasonable investigations : On numerous occasions when a consumer alleged fraud or identify theft, Portfolio Recovery Associates did not conduct a sufficient investigation that considered all necessary information. \nEnforcement Action Under the CFPA, the CFPB has the authority to take action against institutions violating consumer financial laws, including engaging in unfair, deceptive, or abusive acts or practices. The CFPB alleges that Portfolio Recovery Associates violated the XXXX order, the CFPAs prohibition on deceptive conduct, the FDCPA, FCRA, and Regulation V.\n\nIf entered by the court, the order would require Portfolio Recovery Associates to : Provide redress to consumers : Portfolio Recovery Associates would pay at least {$12.00} XXXX to consumers harmed by its illegal collection practices.\n\nClean up its faulty operations : The order prohibits Portfolio Recovery Associates from collecting debts unless it has access to certain documents that meet its obligation to have a reasonable basis to believe it is collecting debts that consumers actually owe. \nFix its failures to properly respond to consumers : The order requires Portfolio Recovery Associates to improve their response when consumers report that they do not owe a debt because of fraud or identity theft. And it ensures that Portfolio Recovery Associates adequately responds to consumer disputes in a timely manner about information Portfolio Recovery Associates has furnished to consumer reporting agencies. \nPay {$12.00} XXXX in penalties : Portfolio Recovery Associates would pay a {$12.00} XXXX penalty to the CFPB, which would be deposited into the CFPBs victims relief fund. \nRead todays proposed order. \n\nRead the XXXX order against Portfolio Recovery Associates. \n\nIn XXXX, the CFPB proposed a new registry to help detect and deter repeat offenders like Portfolio Recovery Associates. The public can submit comments on the proposal until XX/XX/XXXX. \n\nIf you or someone you know needs help dealing with a debt collector, the CFPB publishes resources on how to protect your legal rights and navigate your financial future. \n\nConsumers can submit complaints about financial products or services by visiting the CFPBs website or by calling ( XXXX ) XXXX ( XXXX ). \n\nEmployees of companies who they believe their company has violated federal consumer financial laws are encouraged to send information about what they know to XXXX.","date_sent_to_company":"2025-05-06T13:12:13.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"77070","tags":null,"has_narrative":true,"complaint_id":"13255877","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2025-04-30T11:47:47.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["The XXXX order required Portfolio Recovery Associates to adhere to provisions including prohibitions on : Collecting <em>debts</em> without a reasonable basis, Selling <em>debt</em>, <em>Threatening</em> or filing <em>collection</em> lawsuits without an intent to prove the <em>debt</em>, Filing false or misleading affidavits in <em>debt</em>-<em>collection</em> actions, Making false or misleading representations, and Collecting or suing on <em>debt</em> that was outside the statute of limitations."],"product":["<em>Debt</em> <em>collection</em>"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_product":["Credit card <em>debt</em>"],"sub_issue":["<em>Debt</em> is not yours"]},"sort":[10.673124,"13255877"]},{"_index":"complaint-public-v1","_id":"3208513","_score":9.869766,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This debt alleged by XXXX is hereby Disputed according to the FDCPA 1692. XXXX admits finally receiving the payment on XX/XX/XXXX therefore the payment was not 30 days late. Such was done with proof of service and signatures required signed by all creditors as of Date when mailed out via USPS with proof of service. The law stalest that i must receive a Written Notification About Debt The law : Within [ 5 ] five days of initially contacting me, the collector must send written notice of the debt that includes : The amount of the debt The name of the original creditor to whom the debt is owed A statement describing your right to dispute the debt. They have failed to do this. Their response was a letter of decline of the Tender Of Payment. They used false statements and misleading documents to create a myth of a Deed Of Trust over the Tender Of Payment, which is fraud and perjury. False Statements or Representations - The law : Collectors cant threaten a lawsuit, criminal prosecution, wage garnishment, jail time, or to ruin your credit rating unless they have the legal authority to do so and intend to do so. These threats are often illegal. Collectors must take you to court first and win before they can take these kinds of actions if they are legal in the first place. What was stated to me in writing and over the phone 20 days later was that my payment method was illegal and unlawful and the CEO or Back Office Dept would be sending me a letter or have sent a letter but i have not received a letter nor any of the Tendered Payments back and therefore it is implied that they destroyed the mail and the Tendered Payment! The alleged contract that was never presented in full or in part is not a Unilateral nor a Bilateral contract or agreement. This means that none of the parties signed the contract. An online verbal or any other alleged consent agreement does not validate nor verify an agreement or contract for all parties must have a meeting of the minds. Or this can lead to fraud. First off i requested the CEO or Bank office of people knowledgeable of this type of payment but the CEO never responded. Second So without a proof of payment like a check or actual funds from the banks i was never loaned money because banks can't loan money from deposits within their bank from other customers so where did the money or funds come from? It appears to be a book keeping entry credit for a mortgage or loan or such and that is fraud due to the banking laws, banks can't loan money it doesn't exist only US Currency or Coin Tender or Conditional Acceptance.Attached are the FDCPA laws. The Corporation or Bank Threatened to Contact Someone or Share Information Improperly - The law : Collectors can call third parties such as family, neighbors, friends or co-workers only to locate the debtor. This debt is in dispute and can not be reported until validated and verified but such was stated that they would report to TransUnion, XXXX, and XXXX and others if i didn't make a payment. Therefore all are hereby notified that I [ lower case name as printed ] do hereby tender payment for the above referenced obligation of debt, and because this debt concerns property of the United States it is deemed by law and operation of statute to be a government obligation and must be handled in accord with the dictates of statute. I have accepted the obligation on behalf of the United States of America and hereby make assignment of the obligation to the United States Treasury Department on behalf of the United States of America as authorized by statute. They were to present the item ( remittance coupon ) to the United States Treasury Department or at any Federal Reserve bank to include any Federal Reserve member banks to redeem the value of the obligation. As per the terms of the contract this shall serve as my notice of change in terms of contract, cancelling and or suspending any acceleration penalties and paying the US government debt obligation for value through acceptance pledging an assignment in full. It has been over [ 25 ] twenty five days and nothing has posted as paid tendered or discharged and this disables me [ lower case name as printed ] by way of doing business employment and living free. I have the United States Post Office signed forms 3811 green cards which is the delivery proof which is undeniable, and therefore the payment was received on time and is not late, as well the payment format was never returned to me. Rather on the complaint website the Corporation/Bank stated that they have declined payment format. If such the debt obligation is DISCHARGED! 3-603. TENDER OF PAYMENT. ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, XXXX XXXX XXXX, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge.\n\nVerification - Doesn't mean that you send an in-house made up accounting ledger for this can be done by anyone you'll need to produce 804. Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall. ( 1 ) identify himself, state that he is conrming or correct- ing location information concerning the consumer, and, only if expressly requested, identify his employer ;. ( 2 ) not state that such consumer owes any debt ;. not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ;. ( 4 ) not communicate by post card ;. ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communi- cation relates to the collection of a debt ; and. ( 6 ) after the debt collector knows the consumer is repre- sented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorneys name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to communication from the debt collector.\n\nValidation - Consent from the borrower that they agreed to such terms explained and defined and disclosed in full not in part and not by a none agent of the bank or creditor whom would be able to translate or transcribe definitions in full. You have failed to do this.\n\n806. Harassment or abuse - A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.\n\n( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.\n\n( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of sec- 15 USC 1692d. ( 4 ) The advertisement for sale of any debt to coerce pay- ment of the debt. This includes pre default or NOD notice of default which must be served on the debtor or payee and proof of such in writing not hearsay.\n\n. ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. ( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful dis- closure of the callers identity.\n\n807. False or misleading representations A debt collector may not use any false, deceptive, or mis- leading representation or means in connection with the col- lection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or af liated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.\n\n. ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.\n\n. ( 3 ) The false representation or implication that any indi- vidual is an attorney or that any communication is from an attorney.\n\n. ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.\n\n1. Section 604 ( 3 ) has been renumbered as Section 604 ( a ) ( 3 ).\n\n. ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken.\n\n. ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt ; or ( B ) become subject to any practice prohibited by this subchapter.\n\n. ( 7 ) The false representation or implication that the con- sumer committed any crime or other conduct in order to disgrace the consumer.\n\n. ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.\n\n. ( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a docu- ment authorized, issued, or approved by any court, of cial, or agency of the United States or any State, or which creates a false impression as to its source, autho- rization, or approval.\n\n. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.\n\n. ( 11 ) The failure to disclose in the initial written communi- cation with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempt- ing to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.\n\n. ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.\n\n9 15 USC 1692f. ( 13 ) The false representation or implication that documents are legal process.\n\n( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization.\n\n. ( 15 ) The false representation or implication that documents are not legal process forms or do not require action by the consumer.\n\n. ( 16 ) The false representation or implication that a debt col- lector operates or is employed by a consumer reporting agency as de ned by section 1681a ( f ) of this title.\n\nYou have done so without impunity and correction.\n\n808. Unfair practices - A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limit- ing the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obli- gation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.\n\n. ( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than ve days unless such person is noti ed in writing of the debt collectors intent to deposit such check or instrument not more than ten nor less than three busi- ness days prior to such deposit.\n. ( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the pur- pose of threatening or instituting criminal prosecution.\n\n. ( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument.\n\n. ( 5 ) Causing charges to be made to any person for com- munications by concealment of the true propose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees.\n\nEach time you contacted the debtor in this matter you added late charges and fees after a Tender Of Payment was delivered and served upon you without response within five [ 5 ] business days. Neither have your bank agency or corporation responded within the five days to say if you deny or accept the payment either way it is set for discharge.\n\n809. Validation of debts. ( b ) Disputed debts If the consumer notices the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains veri cation of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such veri cation or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communi- cations that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has noti ed the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communica- tion during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.\n\n. ( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.\n\n. ( d ) Legal pleadings A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ).\n\n12 ( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly re- quired by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connec- tion with debt collection for purposes of this section.\n\nWe demanded and required the following for verification a.wet signatures with its original color ink b. the original size document legible and readable c. the actual signature of the borrower in print and readable d. copies of all parties signed on the document or Unilateral or bilateral agreement You have failed to do this within the Five days after the debt was initially disputed. More over sending in house created accounting documents doesn't service or answer the unanswered questions for verification and validation of the alleged debt but the original materials and a wet signature not a computer generated signature nor a verbal consent over the phone for this could be identity theft and fraud.\n\n812. Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. \n( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. The documents you produced doesn't have your companies name or anyone signed from you agency or bank. Your agency bank or corporation has provided after the allowed five days [ approximately 25 days later ] computer generated in-house documents that i have never seen before. In fact the documents have been cut down in size or shrunken down from the alleged original size and is too dark and not legible. Also the definitions are not clear and no one has translated your terms which are one sided to me. \nIt appears that XXXX is using the credit agency or bureau TransUnion to promote false information which goes against the FDCPA and the FCRA. The signature they have produced as you can see is not my signature but in cursive that states WITHOUT CONSENT. My signature is my name printed and such is the legal and lawful way to sign your name. Also they have deleted numbers that i also printed next to my name using whiteout or some form of deletion. They asked me if i had received a Demand payoff letter and i have and such is attached with the Tender of Payment with my real signature printed on the Tender of Payment. There is no contract with XXXX. The Promissory Note which covers the payment how ever Tendered was done in full and they declined payment therefore this debt is Discharged by law. XXXX has used suspicious conveyance of language which is language fraud. Attempting to steel my property. I have contacted them since they arrived on the scened XX/XX/XXXX. I asked them how they acquired my private and personal information and they did not respond. In fact they have failed to respond to all of my request filed since XX/XX/XXXX. At one point in time XXXX called themselves the Lender and that they would also be servicing the alleged debt. Another time they changed it and called Fannie Mae the Lender and XXXX the servicer. Please see attachments.","date_sent_to_company":"2019-04-11T07:47:32.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89149","tags":null,"has_narrative":true,"complaint_id":"3208513","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2019-04-11T03:04:47.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["The Corporation or Bank <em>Threatened</em> to Contact <em>Someone</em> or <em>Share</em> Information Improperly - The law : Collectors can call third parties such as family, neighbors, friends or co-workers only to locate the debtor. 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