{"took":72,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":152,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"5884272","_score":27.27111,"_source":{"product":"Debt collection","complaint_what_happened":"I was never given information That I could dispute the debt and that if you dont dispute the debt within 30 days the debt collector will assume the debt is valid. I was never contacted I just checked my credit report and found the collection on my credit report.","date_sent_to_company":"2022-08-16T18:52:19.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"290XX","tags":"Servicemember","has_narrative":true,"complaint_id":"5884272","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2022-08-16T18:37:36.000Z","state":"SC","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["I was never given information That I could dispute the debt and that if you dont dispute the debt within 30 days the debt collector will assume the debt is valid. I was never contacted I just checked my credit report and found the collection on my credit report."],"product":["Debt collection"],"issue":["Written notification about debt"],"sub_product":["Credit card debt"],"sub_issue":["Didn't receive notice of right to dispute"]},"sort":[27.27111,"5884272"]},{"_index":"complaint-public-v1","_id":"6457995","_score":27.08242,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/2023, I was notified by phone that a debt collection agency ( SOUTHWEST RECOVERY SERVICES ) was attempting to contact me regarding an outstanding utility bill in XXXX. I informed them this was identity fraud. I emailed them a police report. \n\nOn XX/XX/2023, they submitted the debt for collection on my credit report. \n\nThey gave me no information regarding my rights. They gave me no information regarding : The name of the creditor The amount owed That you can dispute the debt and that if you dont dispute the debt within XXXX days the debt collector will assume the debt is valid That if you dispute the debt in writing within XXXX days the debt collector will provide verification of the debt That if you request the name and address of the original creditor within XXXX days, if different from the current creditor, the debt collector will provide you that information","date_sent_to_company":"2023-01-19T14:06:19.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"074XX","tags":null,"has_narrative":true,"complaint_id":"6457995","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Southwest Recovery Services, Inc.","date_received":"2023-01-19T13:58:46.000Z","state":"NJ","company_public_response":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["They gave me no information regarding : The name of the creditor The amount owed That you can dispute the debt and that if you dont dispute the debt within XXXX days the debt collector will assume the debt is valid That if you dispute the debt in writing within XXXX days the debt collector will provide verification of the debt That if you request the name and address of the original creditor within XXXX days, if different from the current creditor, the debt collector will provide you that information"],"product":["Debt collection"],"issue":["Attempts to collect debt not owed"],"sub_product":["Other debt"],"sub_issue":["Debt was result of identity theft"]},"sort":[27.08242,"6457995"]},{"_index":"complaint-public-v1","_id":"3796363","_score":26.997341,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/2020, I received notification from Professional Recovery consultants, Inc that they were attempting to collect a debt in the amount of {$2500.00}. \n\nProfessional Recovery Consultants DID NOT provide the following : The name of the creditor That you can dispute the debt and that if you dont dispute the debt within 30 days the debt collector will assume the debt is valid That if you dispute the debt in writing within 30 days the debt collector will provide verification of the debt That if you request the name and address of the original creditor within 30 days, if different from the current creditor, the debt collector will provide you that information If the debt collector doesn't provide this information when it first contacts you, the debt collector is required to send you a written notice including that information within five days of first contacting you. \n\nTo my understanding : Any debt collector who contacts you claiming you owe money on a debt is required by law to tell you certain information about the debt Please note : I have attached a copy of the correspondence sent by Professional Recovery Consultants as proof of this violation.","date_sent_to_company":"2020-08-14T18:18:02.000Z","issue":"Written notification about debt","sub_product":"Other debt","zip_code":"30144","tags":null,"has_narrative":true,"complaint_id":"3796363","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Professional Recovery Consultants, Inc.","date_received":"2020-08-14T17:55:21.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["Professional Recovery Consultants DID NOT provide the following : The name of the creditor That you can dispute the debt and that if you dont dispute the debt within 30 days the debt collector will assume the debt is valid That if you dispute the debt in writing within 30 days the debt collector will provide verification of the debt That if you request the name and address of the original creditor within 30 days, if different from the current creditor, the debt collector will provide you that information"],"product":["Debt collection"],"issue":["Written notification about debt"],"sub_product":["Other debt"],"sub_issue":["Didn't receive notice of right to dispute"]},"sort":[26.997341,"3796363"]},{"_index":"complaint-public-v1","_id":"7506650","_score":26.97187,"_source":{"product":"Debt collection","complaint_what_happened":"I received an letter from the resurgent capital services company that was supposed to verify debt but the letters do not include An end date for a 30-day period when you can dispute the debt it also doesnt mention That you can dispute the debt and that if you dont dispute the debt within 30 days the debt collector will assume the debt is valid they also dont have the full account number only the last four digits","date_sent_to_company":"2023-09-06T11:41:54.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"628XX","tags":null,"has_narrative":true,"complaint_id":"7506650","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2023-09-06T11:17:49.000Z","state":"IL","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["I received an letter from the resurgent capital services company that was supposed to verify debt but the letters do not include An end date for a 30-day period when you can dispute the debt it also doesnt mention That you can dispute the debt and that if you dont dispute the debt within 30 days the debt collector will assume the debt is valid they also dont have the full account number only the last four digits"],"product":["Debt collection"],"issue":["Written notification about debt"],"sub_product":["Credit card debt"],"sub_issue":["Didn't receive enough information to verify debt"]},"sort":[26.97187,"7506650"]},{"_index":"complaint-public-v1","_id":"3346958","_score":26.846561,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Experian XXXX XXXX, CEO has failed to send me a copy of the documents that they used to validate the alleged debts on my credit profile as required by law. \n\nI never receive a notice from either collection agency. I have never been in communication with the collection agencies by or mail. \n\nDebt Validation is Time-Sensitive Within five days of its first communication to you, the debt collector is required to send a written debt validation notice to you. This notice will state your right to dispute the validity of the debt within 30 days. The FDCPA allows the collector to include the debt validation notice in the initial communication if that communication is a letter. If the debt collectors first communication with you is a phone call, you should receive a debt validation letter from them within five days. \n\nIf you dont dispute the debt in writing within 30 days, the debt collector has the right to assume the debt is valid. During the 30-day period, the collector can continue attempts to collect the debt from you until it receives your validation request.","date_sent_to_company":"2019-08-22T11:50:01.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"85260","tags":null,"has_narrative":true,"complaint_id":"3346958","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2019-08-20T20:14:51.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This notice will state your right to dispute the validity of the debt within 30 days. The FDCPA allows the collector to include the debt validation notice in the initial communication if that communication is a letter. If the debt collectors first communication with you is a phone call, you should receive a debt validation letter from them within five days. \n\nIf you dont dispute the debt in writing within 30 days, the debt collector has the right to assume the debt is valid."]},"sort":[26.846561,"3346958"]},{"_index":"complaint-public-v1","_id":"3208129","_score":26.418673,"_source":{"product":"Debt collection","complaint_what_happened":"I already complained to XXXX because they added this to my file without notifying me. I asked for a verification and all they sent me was a vague letter with 6 months of bills for 4 phone lines when I only had 2. According to the CFPB there criteria which are required by law when sending a notice like this. \n\nThe name of the creditor The amount owed That you can dispute the debt That if you dont dispute the debt within 30 days the debt collector will assume the debt is valid That if you dispute the debt in writing within 30 days the debt collector will provide verification of the debt That if you request the name and address of the original creditor within 30 days, if different from the current creditor, the debt collector will provide you that information. \n\nThe last bullet point wasn't included on this vague letter. I received the letter on the XX/XX/XXXX and it has been over 5 days. XXXX XXXX is required by law to clarify that within 5 days of initial contact. \n\nI have attached the letter for verifcation","date_sent_to_company":"2019-04-10T21:28:12.000Z","issue":"Written notification about debt","sub_product":"Other debt","zip_code":"755XX","tags":null,"has_narrative":true,"complaint_id":"3208129","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CL Holdings LLC","date_received":"2019-04-10T21:12:01.000Z","state":"TX","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["The name of the creditor The amount owed That you can dispute the debt That if you dont dispute the debt within 30 days the debt collector will assume the debt is valid That if you dispute the debt in writing within 30 days the debt collector will provide verification of the debt That if you request the name and address of the original creditor within 30 days, if different from the current creditor, the debt collector will provide you that information."],"product":["Debt collection"],"issue":["Written notification about debt"],"sub_product":["Other debt"],"sub_issue":["Didn't receive enough information to verify debt"]},"sort":[26.418673,"3208129"]},{"_index":"complaint-public-v1","_id":"9214936","_score":26.32348,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I REQYESTED XXXX XXXX XXXX XXXX XXXX GIVE ME THIS INFORMATION When debt XXXX contact you about money you may owe, they are required by law to provide you with certain information : The name of the creditor you supposedly owe money to The amount you owe That you have the right to dispute the debt, but if you dont dispute it within 30 days of being contacted, the debt collector can assume it is valid That if you dispute the debt in writing, the debt collector must provide written evidence of the debt","date_sent_to_company":"2024-06-12T17:41:51.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"074XX","tags":"Older American","has_narrative":true,"complaint_id":"9214936","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HEARTLAND PAYMENT SYSTEMS INC","date_received":"2024-06-10T01:39:45.000Z","state":"NJ","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I REQYESTED XXXX XXXX XXXX XXXX XXXX GIVE ME THIS INFORMATION When debt XXXX contact you about money you may owe, they are required by law to provide you with certain information : The name of the creditor you supposedly owe money to The amount you owe That you have the right to dispute the debt, but if you dont dispute it within 30 days of being contacted, the debt collector can assume it is valid That if you dispute the debt in writing, the debt collector must provide written evidence of the debt"]},"sort":[26.32348,"9214936"]},{"_index":"complaint-public-v1","_id":"6457550","_score":26.116703,"_source":{"product":"Debt collection","complaint_what_happened":"First in their letter dated XX/XX/2023, A.R.M. Solutions claims to be a debt collector on behave of XXXX. They did not state these requirements : - That you can dispute the debt and that if you dont dispute the debt within 30 days the debt collector will assume the debt is valid - That if you dispute the debt in writing within 30 days the debt collector will provide verification of the debt I had a propane tank removed by XXXX from my property. It was on the property when I purchased it. Since they removed their tank, they are saying that I owe them for removal. I never agreed to this nor signed any contract and told them that I would not pay. They tried to tell me that I have to abide by their rules that they sent me after I disputed their bill. I told them I never agreed to them nor signed the contract they sent me.","date_sent_to_company":"2023-01-20T00:01:58.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"28227","tags":null,"has_narrative":true,"complaint_id":"6457550","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"A.R.M. Solutions, Inc.","date_received":"2023-01-19T23:38:49.000Z","state":"NC","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Solutions claims to be a debt collector on behave of XXXX. They did not state these requirements : - That you can dispute the debt and that if you dont dispute the debt within 30 days the debt collector will assume the debt is valid - That if you dispute the debt in writing within 30 days the debt collector will provide verification of the debt I had a propane tank removed by XXXX from my property. It was on the property when I purchased it."],"product":["Debt collection"],"issue":["Attempts to collect debt not owed"],"sub_product":["Other debt"],"sub_issue":["Debt is not yours"]},"sort":[26.116703,"6457550"]},{"_index":"complaint-public-v1","_id":"14274267","_score":25.58806,"_source":{"product":"Debt collection","complaint_what_happened":"They never sent me debt validation as required by law. I don't acknowledge and debt because I don't owe it. They didn't provide me with an itemized bill, proof I owe the debt, proof they own the debt. They have called me repeatedly with intent to annoy and harass. Below is a list of things they haven't provided me with before calling. \n\nAccount Number The right to dispute the debt within 30 days. \nIf you dispute the debt, the collector must obtain verification of the debt and mail it to you. \nIf you request it within 30 days, they must provide the name and address of the original creditor if different from the current creditor. \n\nThey are in violation of the following Fair Debt Collection Practices Act 806. Harassment or abuse ( 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.\n\n( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.","date_sent_to_company":"2025-06-30T14:00:33.000Z","issue":"Communication tactics","sub_product":"I do not know","zip_code":"08879","tags":null,"has_narrative":true,"complaint_id":"14274267","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Patient Accounting Service Center","date_received":"2025-06-25T19:14:40.000Z","state":"NJ","company_public_response":null,"sub_issue":"Frequent or repeated calls"},"highlight":{"complaint_what_happened":["They never sent me debt validation as required by law. I don't acknowledge and debt because I don't owe it. They didn't provide me with an itemized bill, proof I owe the debt, proof they own the debt. They have called me repeatedly with intent to annoy and harass. Below is a list of things they haven't provided me with before calling. \n\nAccount Number The right to dispute the debt within 30 days. \nIf you dispute the debt, the collector must obtain verification of the debt and mail it to you."],"product":["Debt collection"]},"sort":[25.58806,"14274267"]},{"_index":"complaint-public-v1","_id":"3126628","_score":25.335375,"_source":{"product":"Debt collection","complaint_what_happened":"15 U.S. Code 1692g states that : a ) Notice of debt ; contentsWithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. I didn't receive this notification and this debt is not owed. I don't have a contract with the creditor.","date_sent_to_company":"2019-01-16T18:39:02.000Z","issue":"Written notification about debt","sub_product":"Other debt","zip_code":"77064","tags":null,"has_narrative":true,"complaint_id":"3126628","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ERC","date_received":"2019-01-16T18:31:36.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector"],"product":["Debt collection"],"issue":["Written notification about debt"],"sub_product":["Other debt"],"sub_issue":["Didn't receive notice of right to dispute"]},"sort":[25.335375,"3126628"]},{"_index":"complaint-public-v1","_id":"6630669","_score":25.24138,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX I spoke with a supervisor from this company that informed me a notice was sent out by email on XX/XX/XXXX that there was a debt owed to there company on XX/XX/XXXX per my credit report this company put a collections account on my credit report without giving me 30 days notice when I called the company they proceeded to inform me that an email notice was sent out not a letter by mail and that could forward me the email sent. My original debt was not with this company I have no knowledge of this company or this debt it has not been verified that I owe a debt to company and I was not given proper notice before placing a negative collections on my credit report. Per Fair Debt Collection Practices Act Any debt collector who contacts you claiming you owe on a debt is required by law to tell you certain information about the debt. That information includes : The name of the creditor The amount owed That you can dispute the debt That if you dont dispute the debt within 30 days the debt collector will assume the debt is valid That if you dispute the debt in writing within 30 days the debt collector will provide verification of the debt That if you request the name and address of the original creditor within 30 days, if different from the current creditor, the debt collector will provide you that information. If the debt collector doesnt provide the above information in the initial contact with you, the debt collector is required to send you a written notice including that information within five days of the initial contact. None of these actions were taken and my rights have been violated.","date_sent_to_company":"2023-02-28T16:12:51.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"75206","tags":"Servicemember","has_narrative":true,"complaint_id":"6630669","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-02-28T16:12:46.000Z","state":"TX","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["That information includes : The name of the creditor The amount owed That you can dispute the debt That if you dont dispute the debt within 30 days the debt collector will assume the debt is valid That if you dispute the debt in writing within 30 days the debt collector will provide verification of the debt That if you request the name and address of the original creditor within 30 days, if different from the current creditor, the debt collector will provide you that information."]},"sort":[25.24138,"6630669"]},{"_index":"complaint-public-v1","_id":"6630637","_score":25.225088,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX I spoke with a supervisor from this company that informed me a notice was sent out by email on XX/XX/XXXX that there was a debt owed to there company on XX/XX/XXXX per my credit report this company put a collections account on my credit report without giving me 30 days notice when I called the company they proceeded to inform me that an email notice was sent out not a letter by mail and that could forward me the email sent. My original debt was not with this company I have no knowledge of this company or this debt it has not been verified that I owe a debt to company and I was not given proper notice before placing a negative collections on my credit report. Per Fair Debt Collection Practices Act Any debt collector who contacts you claiming you owe on a debt is required by law to tell you certain information about the debt. That information includes : The name of the creditor The amount owed That you can dispute the debt That if you dont dispute the debt within 30 days the debt collector will assume the debt is valid That if you dispute the debt in writing within 30 days the debt collector will provide verification of the debt That if you request the name and address of the original creditor within 30 days, if different from the current creditor, the debt collector will provide you that information. If the debt collector doesnt provide the above information in the initial contact with you, the debt collector is required to send you a written notice including that information within five days of the initial contact. None of these actions were taken and my rights have been violated.","date_sent_to_company":"2023-02-28T16:12:42.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"75206","tags":"Servicemember","has_narrative":true,"complaint_id":"6630637","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Credit Systems International, Inc.","date_received":"2023-02-28T16:00:33.000Z","state":"TX","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["That information includes : The name of the creditor The amount owed That you can dispute the debt That if you dont dispute the debt within 30 days the debt collector will assume the debt is valid That if you dispute the debt in writing within 30 days the debt collector will provide verification of the debt That if you request the name and address of the original creditor within 30 days, if different from the current creditor, the debt collector will provide you that information."]},"sort":[25.225088,"6630637"]},{"_index":"complaint-public-v1","_id":"4951893","_score":24.7588,"_source":{"product":"Debt collection","complaint_what_happened":"on XX/XX/2021, i sent MERCHANTS ADJUSTMENT SERVICE, INC a letter requesting the validity of the alleged debt of XXXX that I don't owe.They haven't responded to my request thus far and I am seeking this inaccurate tradeline be deleted from my credit report.they also have violated 15 USC 1692g ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.","date_sent_to_company":"2021-11-27T17:36:17.000Z","issue":"False statements or representation","sub_product":"Medical debt","zip_code":"395XX","tags":null,"has_narrative":true,"complaint_id":"4951893","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Merchants Adjustment Service, Inc.","date_received":"2021-11-27T17:17:06.000Z","state":"MS","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the"],"product":["Debt collection"],"sub_product":["Medical debt"]},"sort":[24.7588,"4951893"]},{"_index":"complaint-public-v1","_id":"6746176","_score":24.673838,"_source":{"product":"Debt collection","complaint_what_happened":"Received notice from Harris and Harris dated XX/XX/2023 regarding a non valid debt from the Washington, DC XXXX XXXX XXXX. The notice from Harris and Harris did not include debt collection rights including language that states : If you dont dispute the debt within 30 days the debt collector will assume the debt is valid ; If you do dispute the debt in writing within 30 days the debt collector must stop collection until it provides you verification of the debt ; and If you request the name and address of the original creditor ( if different from the current creditor ) within 30 days, the debt collector will provide you that information. \n\nIn addition, this debt is not a valid debt since Washington DC has no legal authority to collect on automatic traffic enforcement fines from non-residents because there is no reciprocity agreement as required by law. This has been confirmed by the Mayor of Washington DC and has been reported in the news. A letter was sent to Harris and Harris on XX/XX/XXXX informing them of this and to stop contacting me, but they have attempted to contact me by phone at my work 7 times after they received the letter. I have all the voice messages and logs of the phone calls.","date_sent_to_company":"2023-03-24T13:25:25.000Z","issue":"Written notification about debt","sub_product":"Other debt","zip_code":"206XX","tags":null,"has_narrative":true,"complaint_id":"6746176","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Harris & Harris, Ltd.","date_received":"2023-03-24T12:57:39.000Z","state":"MD","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["The notice from Harris and Harris did not include debt collection rights including language that states : If you dont dispute the debt within 30 days the debt collector will assume the debt is valid ; If you do dispute the debt in writing within 30 days the debt collector must stop collection until it provides you verification of the debt ; and If you request the name and address of the original creditor ( if different from the current creditor ) within 30 days, the debt collector will provide you"],"product":["Debt collection"],"issue":["Written notification about debt"],"sub_product":["Other debt"],"sub_issue":["Didn't receive notice of right to dispute"]},"sort":[24.673838,"6746176"]},{"_index":"complaint-public-v1","_id":"10762252","_score":24.339231,"_source":{"product":"Debt collection","complaint_what_happened":"I received a letter from a debt collector stating that I owed XXXX. On XX/XX/year>, I sent a certified letter requesting proof within 30 days. Its been 35 days and no response. I don't know if this debt is even mine, nothing matches on my portfolio. I requested The amount of the debt ; The name of the creditor to whom the debt is owed ; A statement that unless the consumer, within 30 days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; A statement that if the consumer notifies the debt collector in writing within the 30 day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and A statement that, upon the consumer 's written request within the 30 day period, the debt provide a complete accounting of the debt you claim I owe within 30 days of your receipt of this letter. This proof must include, and is not limited to : The complete and signed contract for the debt obligation which is the subject matter of this dispute ; An itemized breakdown of what you claim the money is owed for ; Explain and show me how you calculated the amount in dispute ; Provide me with copies of any documents, ledgers, spreadsheets, etc., that show that I agreed to pay the amount you claim that I owe ; Identify the original creditor ; Identify and accurately describe any third-party costs for which you are charging me, and that you have included in the disputed amount along with a complete itemization of all such charges ; Information About the Authority to Collect This Debt original purchase agreement. \n\nTracking number for certified mail sent usps is XXXX","date_sent_to_company":"2024-11-13T15:35:32.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"32127","tags":null,"has_narrative":true,"complaint_id":"10762252","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mandarich Law Group, LLP","date_received":"2024-11-11T12:30:44.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I received a letter from a debt collector stating that I owed XXXX. On XX/XX/year>, I sent a certified letter requesting proof within 30 days. Its been 35 days and no response. I don't know if this debt is even mine, nothing matches on my portfolio."],"product":["Debt collection"],"issue":["Attempts to collect debt not owed"],"sub_product":["Credit card debt"],"sub_issue":["Debt is not yours"]},"sort":[24.339231,"10762252"]},{"_index":"complaint-public-v1","_id":"6649185","_score":24.30489,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX I spoke with a supervisor from this company that informed me a notice was sent out by email on XX/XX/XXXX that there was a debt owed to there company on XX/XX/XXXX per my credit report this company put a collections account on my credit report without giving me 30 days notice when I called the company they proceeded to inform me that an email notice was sent out on XX/XX/XXXX but per the companys not a letter by mail and that could forward me the email sent. My original debt was not with this companys policy as stated on their web page Our Consumer Protection and Privacy policies do not allow us to correspond via email.CSIIs Privacy Policy. I have no knowledge of this company or this debt it has not been verified that I owe a debt to company and I was not given proper notice before placing a negative collections on my credit report. Per Fair Debt Collection Practices Act Any debt collector who contacts you claiming you owe on a debt is required by law to tell you certain information about the debt. That information includes : The name of the creditor The amount owed That you can dispute the debt That if you dont dispute the debt within 30 days the debt collector will assume the debt is valid That if you dispute the debt in writing within 30 days the debt collector will provide verification of the debt That if you request the name and address of the original creditor within 30 days, if different from the current creditor, the debt collector will provide you that information. If the debt collector doesnt provide the above information in the initial contact with you, the debt collector is required to send you a written notice including that information within five days of the initial contact. None of these actions were taken and my rights have been violated","date_sent_to_company":"2023-03-04T08:21:11.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"75206","tags":"Servicemember","has_narrative":true,"complaint_id":"6649185","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Credit Systems International, Inc.","date_received":"2023-03-04T08:12:09.000Z","state":"TX","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["That information includes : The name of the creditor The amount owed That you can dispute the debt That if you dont dispute the debt within 30 days the debt collector will assume the debt is valid That if you dispute the debt in writing within 30 days the debt collector will provide verification of the debt That if you request the name and address of the original creditor within 30 days, if different from the current creditor, the debt collector will provide you that information."]},"sort":[24.30489,"6649185"]},{"_index":"complaint-public-v1","_id":"6649348","_score":24.274742,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX I spoke with a supervisor from this company that informed me a notice was sent out by email on XX/XX/XXXX that there was a debt owed to there company on XX/XX/XXXX per my credit report this company put a collections account on my credit report without giving me 30 days notice when I called the company they proceeded to inform me that an email notice was sent out on XX/XX/XXXX but per the companys not a letter by mail and that could forward me the email sent. My original debt was not with this companys policy as stated on their web page Our Consumer Protection and Privacy policies do not allow us to correspond via email.XXXX Privacy Policy. I have no knowledge of this company or this debt it has not been verified that I owe a debt to company and I was not given proper notice before placing a negative collections on my credit report. Per Fair Debt Collection Practices Act Any debt collector who contacts you claiming you owe on a debt is required by law to tell you certain information about the debt. That information includes : The name of the creditor The amount owed That you can dispute the debt That if you dont dispute the debt within 30 days the debt collector will assume the debt is valid That if you dispute the debt in writing within 30 days the debt collector will provide verification of the debt That if you request the name and address of the original creditor within 30 days, if different from the current creditor, the debt collector will provide you that information. If the debt collector doesnt provide the above information in the initial contact with you, the debt collector is required to send you a written notice including that information within five days of the initial contact. None of these actions were taken and my rights have been violated","date_sent_to_company":"2023-03-04T08:21:22.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"75206","tags":"Servicemember","has_narrative":true,"complaint_id":"6649348","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-03-04T08:21:15.000Z","state":"TX","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["That information includes : The name of the creditor The amount owed That you can dispute the debt That if you dont dispute the debt within 30 days the debt collector will assume the debt is valid That if you dispute the debt in writing within 30 days the debt collector will provide verification of the debt That if you request the name and address of the original creditor within 30 days, if different from the current creditor, the debt collector will provide you that information."]},"sort":[24.274742,"6649348"]},{"_index":"complaint-public-v1","_id":"4879748","_score":24.226109,"_source":{"product":"Debt collection","complaint_what_happened":"this is my 2nd request to Head Mercantile Co, Inc dba SOS GROUP about some alleged debts of XXXX ; XXXX and XXXX that i don't owe.I sent my first request on XX/XX/2021 which they didn't respond, and now i'm sending my last request on XX/XX/2021 before i turn this matter over to my attorney to sue.they have violated 15 USC 1692 ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.","date_sent_to_company":"2021-11-05T18:14:33.000Z","issue":"False statements or representation","sub_product":"Medical debt","zip_code":"39503","tags":null,"has_narrative":true,"complaint_id":"4879748","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HEAD MERCANTILE CO., INC.","date_received":"2021-11-05T17:59:38.000Z","state":"MS","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the"],"product":["Debt collection"],"sub_product":["Medical debt"]},"sort":[24.226109,"4879748"]},{"_index":"complaint-public-v1","_id":"4731390","_score":24.21256,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX, i sent my final letter TO MERCHANT ADJUSTMENT SERVICES about some alleged debts of :107,107, and 155 that i don't owe. I have disputed asking for the validity of the debts at hand and they have not responded to my request within the 30 days.national credit adjusters sent me a document in the mail claiming that i owe a debt. on XX/XX/2021, i sent them a letter usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX requesting the validity of the total alleged debts of {$360.00}. they have violated my rights as a consumer. Pursuant to the FDCPA specifically 15 USC 1692g, it states ; Within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector SHALL unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing. ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed, ( 3 ) a statement that unless the consumer, within 30 days, after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within 30 day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumer 's request within the 30 day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor, MERCHANT ADJUSTMENT SERVICES has failed 3-5 and therefore, is in violation of the law. not only did they not include it in the initial communication, they failed to send it within 5 days.","date_sent_to_company":"2021-09-17T23:31:12.000Z","issue":"False statements or representation","sub_product":"Medical debt","zip_code":"39501","tags":null,"has_narrative":true,"complaint_id":"4731390","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Merchants Adjustment Service, Inc.","date_received":"2021-09-17T23:02:29.000Z","state":"MS","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within 30 day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumer 's request within the 30 day period, the debt collector will provide the consumer with the name and address of"],"product":["Debt collection"],"sub_product":["Medical debt"]},"sort":[24.21256,"4731390"]},{"_index":"complaint-public-v1","_id":"6329870","_score":24.035778,"_source":{"product":"Debt collection","complaint_what_happened":"When this company contacted me over the alleged debt, they are required to provide me with certain information about the debt theyre trying to collect. \n\nPer ref ( b ) under the CFPBs Debt Collection Rule they provide NO clarifying provisions of the Fair Debt Collection Practices Act ( FDCPA ) which became effective on XX/XX/2021. \n\nThe CFPBs debt collection rule requires debt collectors to provide certain information when they first communicate with you or soon after ( generally within 5 days ). When the debt collector provides this required information electronically or in writing, it is called a validation notice. The validation notice is meant to help you recognize whether the debt is yours and dispute the debt if it is not yours. \n\nThe notice generally must include : A statement that the communication is from a debt collector The name and mailing information of the debt collector and the consumer The name of the creditor to whom the debt is owed It is possible that more than one creditor will be listed The account number associated with the debt ( if any ) An itemization of the current amount of the debt that reflects interest, fees, payments and credits since a particular date, the itemization date The current amount of the debt as of when the validation information is provided Information about your debt collection rights, including language that : If you dont dispute the debt within 30 days the debt collector will assume the debt is valid If you do dispute the debt in writing within 30 days the debt collector must stop collection until it provides you verification of the debt If you request the name and address of the original creditor ( if different from the current creditor ) within 30 days, the debt collector will provide you that information Information on how to dispute the debt The notice must include a tear-off form that you can send back to the debt collector to dispute the debt or take other actions. \nYou may see other information on your validation notice, but the information listed above generally must be included. \n\nThis agency failed to provide that information and forwarded to credit bureaus which is a violation. The reason for this second complaint is because, this Agency provided this information to the credit bureaus as retaliation for reporting their company for not being in full compliant with FDCPA.","date_sent_to_company":"2022-12-16T17:20:12.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"60629","tags":"Servicemember","has_narrative":true,"complaint_id":"6329870","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2022-12-16T17:08:57.000Z","state":"IL","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["debt as of when the validation information is provided Information about your debt collection rights, including language that : If you dont dispute the debt within 30 days the debt collector will assume the debt is valid If you do dispute the debt in writing within 30 days the debt collector must stop collection until it provides you verification of the debt If you request the name and address of the original creditor ( if different from the current creditor ) within 30 days, the debt collector"],"product":["Debt collection"],"issue":["Written notification about debt"],"sub_issue":["Didn't receive enough information to verify debt"]},"sort":[24.035778,"6329870"]},{"_index":"complaint-public-v1","_id":"4792915","_score":23.558044,"_source":{"product":"Debt collection","complaint_what_happened":"on XX/XX/2021, i sent NATIONAL CREDIT SYSTEMS , INC a letter about an alleged debt of XXXX that I don't owe.this is an inaccurate item and should be removed from my credit report. national credit systems , inc sent me a document in the mail claiming that i owe a debt on XX/XX/2021, i sent them a letter requesting the validity of the alleged debt of {$920.00}. they have violated my rights as a consumer. Pursuant to the FDCPA specifically 15 USC 1692g, it states ; Within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector SHALL unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing. ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed, ( 3 ) a statement that unless the consumer, within 30 days, after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within 30 day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumer 's request within the 30 day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor, NATIONAL CREDIT SYSTEMS has failed 3-5 and therefore, is in violation of the law. not only did they not include it in the initial communication, they failed to send it within 5 days.As you can see the date was XXXX and today is XXXXattached is the letter i sent to them about the alleged debt and i haven't heard from them as of yet.","date_sent_to_company":"2021-10-08T19:56:27.000Z","issue":"False statements or representation","sub_product":"Other debt","zip_code":"39503","tags":null,"has_narrative":true,"complaint_id":"4792915","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Credit Systems,Inc.","date_received":"2021-10-08T19:42:03.000Z","state":"MS","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within 30 day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumer 's request within the 30 day period, the debt collector will provide the consumer with the name and address of"],"product":["Debt collection"],"sub_product":["Other debt"]},"sort":[23.558044,"4792915"]},{"_index":"complaint-public-v1","_id":"4731307","_score":23.557613,"_source":{"product":"Debt collection","complaint_what_happened":"i sent out my final letter to SOUTH MISSISSIPPI COLLECTION on XXXX XXXX, about the alleged debts of XXXX and XXXX that i dont owe.national credit adjusters sent me a document in the mail claiming that i owe a debt. on XX/XX/2021, i sent them a letter usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX requesting the validity of the alleged debts of {$150.00} and XXXX they have violated my rights as a consumer. Pursuant to the FDCPA specifically 15 USC 1692g, it states ; Within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector SHALL unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing. ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed, ( 3 ) a statement that unless the consumer, within 30 days, after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within 30 day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumer 's request within the 30 day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor, SOUTHERN MISSISSIPPI COLLECTION has failed 3-5 and therefore, is in violation of the law. not only did they not include it in the initial communication, they failed to send it within 5 days.As you can see the date was XXXX XXXX and today is XXXX XXXXattached is the letter i sent to them about the alleged debt and i haven't heard from them as of yet.","date_sent_to_company":"2021-09-17T22:58:50.000Z","issue":"False statements or representation","sub_product":"Medical debt","zip_code":"39501","tags":null,"has_narrative":true,"complaint_id":"4731307","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"South Mississippi Collection Services Inc.","date_received":"2021-09-17T22:46:17.000Z","state":"MS","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within 30 day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumer 's request within the 30 day period, the debt collector will provide the consumer with the name and address of"],"product":["Debt collection"],"sub_product":["Medical debt"]},"sort":[23.557613,"4731307"]},{"_index":"complaint-public-v1","_id":"2554415","_score":23.470839,"_source":{"product":"Debt collection","complaint_what_happened":"1. Caine & Weiner Company , Inc has failed to comply with Section 1692g which requires a debt collector to send a written validation notice to a consumer within five days of the collectors initial collection attempt and specifies what information the notice must contain. This section requires the notice to include statements that if the consumer disputes a debt in writing or makes a written request for the name and address of the original creditor, the collector will provide verification of the debt or the requested information. This section also requires a debt collector to cease all collection efforts if it receives a written dispute or information request until the verification or information is provided. i. This account was reported to XXXX and XXXX credit reports on or around XXXX XXXX, XXXX, to which several disputes have been filed, which have not received a response from Caine & Weiner Company, Inc 2. Caine & Weiner Company , Inc has failed to comply with Section 1692g of the FCRA that also requires the validation notice to include a statement that the debt will be assumed to be valid by the debt collector unless the consumer disputes the debt within 30 days. 3. Caine & Weiner Company , Inc has failed to comply with the FCRA statue that requires a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector. 4. Caine & Weiner Company , Inc has failed to comply with the FCRA statue that states that if a dispute is found to be frivolous or irrelevant, you must notify the consumer within five business days of receiving the dispute. This notice can be a form letter. Include the reason for the determination and, if relevant, any information the consumer needs to submit so you can investigate the disputed information. i. Caine & Weiner Company , Inc has failed to comply with the FCRA statue that states you must complete these steps within the same time allowed under the FCRA for the CRA to resolve the dispute. Normally, this is 30 days after the CRA gets the dispute from the consumer. If the consumer provides additional relevant information during the 30-day period, the CRA has 15 more days to resolve the dispute. The CRA must give you all the relevant information it gets within five business days of receipt, and must promptly give you additional relevant information provided by the consumer. If you dont investigate and respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files. FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) Statue FCRA 616, 617, 621 states that if you dont comply with the FCRA, you may be sued by the FTC, Consumer Financial Protection Bureau ( CFPB ), state governments, or in some cases, consumers. The FCRA provides for maximum penalties of {$3800.00} per violation in the case of lawsuits brought by the FTC. Letters were not received until after my init request for verification on XXXX XXXX, XXXX Letters weee dated XXXX XXXX, XXXX. No other verification has been provided. This company has violated several FTC laws, including contacting the consumer after a dispute and request for verification has been filed.","date_sent_to_company":"2017-06-20T21:17:51.000Z","issue":"Written notification about debt","sub_product":"Other debt","zip_code":"33712","tags":null,"has_narrative":true,"complaint_id":"2554415","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAINE & WEINER COMPANY, INC.","date_received":"2017-06-20T21:07:27.000Z","state":"FL","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["This account was reported to XXXX and XXXX credit reports on or around XXXX XXXX, XXXX, to which several disputes have been filed, which have not received a response from Caine & Weiner Company, Inc 2. Caine & Weiner Company , Inc has failed to comply with Section 1692g of the FCRA that also requires the validation notice to include a statement that the debt will be assumed to be valid by the debt collector unless the consumer disputes the debt within 30 days. 3."],"product":["Debt collection"],"issue":["Written notification about debt"],"sub_product":["Other debt"],"sub_issue":["Didn't receive notice of right to dispute"]},"sort":[23.470839,"2554415"]},{"_index":"complaint-public-v1","_id":"4879840","_score":23.436674,"_source":{"product":"Debt collection","complaint_what_happened":"THIS IS MY 2ND REQUEST TO HEAD MERCANTILE CO INC about a alleged debt of XXXX that i don't owe. my first response was XX/XX/2021 in which they didn't respond and this was my last request about this inaccurate item on XX/XX/2021, which they has not answered.they have violated 15 usc 1692g ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. As well as 15 usc 1692g ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) 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 verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified 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 communication 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.","date_sent_to_company":"2021-11-05T19:28:05.000Z","issue":"False statements or representation","sub_product":"Medical debt","zip_code":"39503","tags":null,"has_narrative":true,"complaint_id":"4879840","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HEAD MERCANTILE CO., INC.","date_received":"2021-11-05T19:13:33.000Z","state":"MS","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the"],"product":["Debt collection"],"sub_product":["Medical debt"]},"sort":[23.436674,"4879840"]},{"_index":"complaint-public-v1","_id":"3861612","_score":23.170961,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I opened a prior complaint with Experian. ( # XXXX XXXX Experian responded with : Thank you for submitting your complaint on XX/XX/2020, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We reviewed and considered all the information you have supplied through the CFPB portal and directly to Experian. Our research indicates that you have previously contacted Experian directly to request a reinvestigation regarding the disputed information. Therefore, at your request to begin a reinvestigation, we are in the process of contacting the data furnisher to verify the accuracy of the information with which you disagree. \n\nExperian then closed the dispute with no additional information from the debt collection company validating the debt. The company in question ( XXXX ) still has not provided initial validation of the debt and has not followed the fiat credit reporting act requirements as outlined on CFPBs website. \n\n\nAs outlined on the website A debt collector must tell you the name of the creditor, the amount owed, and that you can dispute the debt or seek verification of the debt. \nAny debt collector who contacts you claiming you owe on a debt is required by law to tell you certain information about the debt. That information includes : XXXX The name of the creditor XXXX The amount owed * That you can dispute the debt * That if you dont dispute the debt within 30 days the debt collector will assume the debt is valid * That if you dispute the debt in writing within 30 days the debt collector will provide verification of the debt * That if you request the name and address of the original creditor within 30 days, if different from the current creditor, the debt collector will provide you that information. \nIf the debt collector doesnt provide the above information in the initial contact with you, the debt collector is required to send you a written notice including that information within five days of the initial contact. \n\nExperian continues to ignore the requirements and allows a vague response from the company. The company still has not provided any validation of the debt and Experian is allowing the company to hold me hostage as a consumer by not protecting consumers against unfair reporting actions. \n\nI ask for CFPB to please not allow Experian to continue to run me as a consumer through an administrative process with no true intent to resolve the issue. Once again, this debt is not valid and should be removed from my credit report immediately.","date_sent_to_company":"2020-09-23T10:34:38.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"291XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3861612","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-09-23T10:22:59.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["That information includes : XXXX The name of the creditor XXXX The amount owed * That you can dispute the debt * That if you dont dispute the debt within 30 days the debt collector will assume the debt is valid * That if 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