{"took":178,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":9461,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"3382827","_score":19.934517,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/XXXX I cancelled my gym membership with XXXX XXXX. \nOn or about XX/XX/XXXX, I received a debt collections notice from First Credit Services, dated XX/XX/XXXX. \n\nFirst Credit Services was immediately contacted and requested debt validation as granted per the FairDebtCollection Practices Act. In addition, this request was also submitted in writing on XX/XX/XXXX. First Credit Services was obligated to respond within 30 days failed to respond to the written request knowing they were obligated to respond to the debt validation request within the statutory time limit ; however, they failed to respond. \n\nOn XX/XX/XXXX a follow-up letter was sent to First Credit Services, requesting debt validation as per the Fair Debt Collection Practices Act, and reminded that they are required to respond to my request for validation within 30 days of receipt ; however, they did not respond.","date_sent_to_company":"2019-09-23T08:07:26.000Z","issue":"Written notification about debt","sub_product":"Other debt","zip_code":"10306","tags":null,"has_narrative":true,"complaint_id":"3382827","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"First Credit Services Inc.","date_received":"2019-09-23T07:41:47.000Z","state":"NY","company_public_response":"Company believes the complaint is the result of a misunderstanding","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["First Credit Services was immediately contacted and requested debt <em>validation</em> as granted per the FairDebtCollection Practices Act. In addition, this request was also submitted in writing on XX/XX/XXXX. First Credit Services was obligated to <em>respond</em> <em>within</em> 30 <em>days</em> <em>failed</em> to <em>respond</em> to the written request knowing they were obligated to <em>respond</em> to the debt <em>validation</em> request <em>within</em> the statutory time limit ; however, they <em>failed</em> to <em>respond</em>."]},"sort":[19.934517,"3382827"]},{"_index":"complaint-public-v1","_id":"2259212","_score":18.737566,"_source":{"product":"Debt collection","complaint_what_happened":"I received a letter from them a while back. I responded stating I was on a payment plan with XXXX and they needed to validate it. They never did and now it is showing on my credit report. This needs to be fixed as I responded within the 30 days and they failed to validate the debt","date_sent_to_company":"2016-12-21T19:01:57.000Z","issue":"Disclosure verification of debt","sub_product":"Medical","zip_code":"85339","tags":null,"has_narrative":true,"complaint_id":"2259212","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"State Collection Service, Inc.","date_received":"2016-12-21T19:01:56.000Z","state":"AZ","company_public_response":null,"sub_issue":"Not given enough info to verify debt"},"highlight":{"complaint_what_happened":["I <em>responded</em> stating I was on a payment plan with XXXX and they needed to <em>validate</em> it. They never did and now it is showing on my credit report. This needs to be fixed as I <em>responded</em> <em>within</em> the 30 <em>days</em> and they <em>failed</em> to <em>validate</em> the debt"]},"sort":[18.737566,"2259212"]},{"_index":"complaint-public-v1","_id":"4546303","_score":18.63169,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"These companies failed to respond to my debt validation letter within 30 days to verify the account in question","date_sent_to_company":"2021-07-15T19:18:51.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11357","tags":null,"has_narrative":true,"complaint_id":"4546303","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-07-15T19:18:47.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["These companies <em>failed</em> to <em>respond</em> to my debt <em>validation</em> letter <em>within</em> 30 <em>days</em> to verify the account in question"],"company_public_response":["Company has <em>responded</em> to the consumer and the CFPB and chooses not to provide a public response"],"sub_issue":["Investigation took more than 30 <em>days</em>"]},"sort":[18.63169,"4546303"]},{"_index":"complaint-public-v1","_id":"4546144","_score":18.63169,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"These companies failed to respond to my debt validation letter within 30 days to verify the account in question","date_sent_to_company":"2021-07-15T19:18:43.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11357","tags":null,"has_narrative":true,"complaint_id":"4546144","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2021-07-15T18:56:00.000Z","state":"NY","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["These companies <em>failed</em> to <em>respond</em> to my debt <em>validation</em> letter <em>within</em> 30 <em>days</em> to verify the account in question"],"sub_issue":["Investigation took more than 30 <em>days</em>"]},"sort":[18.63169,"4546144"]},{"_index":"complaint-public-v1","_id":"6140214","_score":18.405323,"_source":{"product":"Debt collection","complaint_what_happened":"As of XX/XX/XXXX Fox Collection Center XXXX XXXX XXXX XXXX TN XXXX XXXX is in violating in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information known to be false, can not be reported to any credit bureau , I request that you immediately delete this information from my credit reports. \nUSPS # XXXX, Reference : XXXX, Acct : XXXX, Dispute non-responsive after 30days, I enclosed a copy of my dispute letter USPS # XXXX requesting validation through two points of contact. First by electronically mailed and then through certified mail, in which Fox Collection Center have failed to respond to either one. \n\nFirst, you received the electronic mail on XXXXXXXX XXXX through the CFPB complaint database and failed to provide proof of validation within the 30 days. \n\nSecond, you received another copy by certified mail on XX/XX/2022 requesting validation. \nEven so, you have failed to respond to either request. \nThis letter dated above shows it has been more than 30 days and FOX COLLECTION CENTER have failed to validate show any proof within the 30 days even with the given grace period to respond by mail. \n\nPlease send me a copy of my updated credit report as soon as the above has been completed. \nSincerely, XXXX XXXX","date_sent_to_company":"2022-10-28T18:34:25.000Z","issue":"Written notification about debt","sub_product":"Medical debt","zip_code":"328XX","tags":"Servicemember","has_narrative":true,"complaint_id":"6140214","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Professional Recovery Management","date_received":"2022-10-28T18:25:43.000Z","state":"FL","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["Second, you received another copy by certified mail on XX/XX/2022 requesting <em>validation</em>. \nEven so, you have <em>failed</em> to <em>respond</em> to either request. \nThis letter dated above shows it has been more than 30 <em>days</em> and FOX COLLECTION CENTER have <em>failed</em> to <em>validate</em> show any proof <em>within</em> the 30 <em>days</em> even with the given grace period to <em>respond</em> by mail. \n\nPlease send me a copy of my updated credit report as soon as the above has been completed. \nSincerely, XXXX XXXX"]},"sort":[18.405323,"6140214"]},{"_index":"complaint-public-v1","_id":"2315330","_score":18.276941,"_source":{"product":"Debt collection","complaint_what_happened":"I received a letter from this company proposing a settlement amount for a debt they allege that I owe. This is the first and only letter I have received from them. I am disputing the debt. I believe this company has violated the terms of the Fair Debt Collection Practices Act because 1 ) They failed to advise me of my right to request validation of the the debt within 30 days ; 2 ) They failed to advise me of my right to dispute the debt within 30 days ; and 3 ) Did not provide validation of the debt within 5 days of their original letter. I have responded with a letter disputing the debt and requesting validation and a request that any future communication be in written form.","date_sent_to_company":"2017-02-01T20:36:14.000Z","issue":"Disclosure verification of debt","sub_product":"I do not know","zip_code":"91320","tags":null,"has_narrative":true,"complaint_id":"2315330","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"A.R.C. Accounts Recovery (U.S.A.) Corporation LLC","date_received":"2017-01-28T01:33:37.000Z","state":"CA","company_public_response":null,"sub_issue":"Right to dispute notice not received"},"highlight":{"complaint_what_happened":["I believe this company has violated the terms of the Fair Debt Collection Practices Act because 1 ) They <em>failed</em> to advise me of my right to request <em>validation</em> of the the debt <em>within</em> 30 <em>days</em> ; 2 ) They <em>failed</em> to advise me of my right to dispute the debt <em>within</em> 30 <em>days</em> ; and 3 ) Did not provide <em>validation</em> of the debt <em>within</em> 5 <em>days</em> of their original letter. I have <em>responded</em> with a letter disputing the debt and requesting <em>validation</em> and a request that any future communication be in written form."]},"sort":[18.276941,"2315330"]},{"_index":"complaint-public-v1","_id":"3836754","_score":18.149948,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"There are questions concerning the validity of items on my credit report from World Finance. Therefore, validation of account ( s ) had been requested. However, the company has failed to respond to validation request within 30 days.","date_sent_to_company":"2020-09-09T06:50:17.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30188","tags":null,"has_narrative":true,"complaint_id":"3836754","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"World Acceptance Corporation","date_received":"2020-09-09T02:45:15.000Z","state":"GA","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Therefore, <em>validation</em> of account ( s ) had been requested. However, the company has <em>failed</em> to <em>respond</em> to <em>validation</em> request <em>within</em> 30 <em>days</em>."],"sub_issue":["Investigation took more than 30 <em>days</em>"]},"sort":[18.149948,"3836754"]},{"_index":"complaint-public-v1","_id":"6659130","_score":18.126598,"_source":{"product":"Debt collection","complaint_what_happened":"Harvest Associates INC. has reported an alleged debt of {$950.00} to the credit bureaus but never sent me anything validating the suspected debt or any form of verification in the mail. I sent them a request which was delivered and signed for on XX/XX/2023, at XXXX XXXX  via certified mail with a return receipt ( attached ) asking for validation but Harvest Associates INC failed to respond within the 30-day timeframe allotted to them. I sent out a second notice on XX/XX/2023 which is currently in transit via USPS-certified mail ( attached ) notifying them of their failure to validate and verify the alleged debt being claimed against me. Pursuant to FDCPA SECTION 809 ( a ) Validation of debts ( 15 USC 1692 G ) they must validate the alleged debt if requested. They have failed to respond to my request to validate and/or verify the alleged debt within 30 days. They also failed at notifying me before claiming it on my credit report. Due to their failure to respond and unfair practices, I am expecting immediate removal of the alleged debt from all credit reporting agencies, ( XXXX, XXXX, XXXX ) and that the alleged debt in its entirety along with any assumed fees is promptly deleted from their files and all public files due to their failure to validate it within 30 days of my request. I consider this matter closed and the alleged debt to be void. Please Note : This information does not mean I agree to the alleged debt being claimed against me.","date_sent_to_company":"2023-03-08T01:17:24.000Z","issue":"Written notification about debt","sub_product":"Medical debt","zip_code":"77060","tags":"Servicemember","has_narrative":true,"complaint_id":"6659130","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"S&S Physician Services, Inc.","date_received":"2023-03-08T00:49:33.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["I sent out a second notice on XX/XX/2023 which is currently in transit via USPS-certified mail ( attached ) notifying them of their failure to <em>validate</em> and verify the alleged debt being claimed against me. Pursuant to FDCPA SECTION 809 ( a ) <em>Validation</em> of debts ( 15 USC 1692 G ) they must <em>validate</em> the alleged debt if requested. They have <em>failed</em> to <em>respond</em> to my request to <em>validate</em> and/or verify the alleged debt <em>within</em> 30 <em>days</em>."]},"sort":[18.126598,"6659130"]},{"_index":"complaint-public-v1","_id":"2271331","_score":18.114338,"_source":{"product":"Debt collection","complaint_what_happened":"This letter is formal notice that you have failed to respond to my online dispute submitted On XX/XX/2016 I submitted a dispute with Transunion to validate a debt showing on my credit file. They have not responded within the XXXX day limitation for disputes. The debt has not been validated in any form and I am demanding it be removed before I take further action with the Federal Trade Comission. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. If they do not, they are in violation of the FCRA.","date_sent_to_company":"2017-01-03T18:59:29.000Z","issue":"Disclosure verification of debt","sub_product":"Other (i.e. phone, health club, etc.)","zip_code":"32068","tags":null,"has_narrative":true,"complaint_id":"2271331","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-01-02T14:37:28.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Not given enough info to verify debt"},"highlight":{"complaint_what_happened":["This letter is formal notice that you have <em>failed</em> to <em>respond</em> to my online dispute submitted On XX/XX/2016 I submitted a dispute with Transunion to <em>validate</em> a debt showing on my credit file. They have not <em>responded</em> <em>within</em> the XXXX day limitation for disputes. The debt has not been <em>validated</em> in any form and I am demanding it be removed before I take further action with the Federal Trade Comission."],"company_public_response":["Company has <em>responded</em> to the consumer and the CFPB and chooses not to provide a public response"]},"sort":[18.114338,"2271331"]},{"_index":"complaint-public-v1","_id":"2790110","_score":18.113537,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/2017. A request for that validation was sent to XXXX XXXX XXXX   XXXX XXXX XXXX has failed to respond to this request within the allotted 30 days.","date_sent_to_company":"2018-01-23T08:01:56.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"298XX","tags":null,"has_narrative":true,"complaint_id":"2790110","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Asset Management Outsourcing, Inc.","date_received":"2018-01-23T02:51:48.000Z","state":"SC","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["A request for that <em>validation</em> was sent to XXXX XXXX XXXX   XXXX XXXX XXXX has <em>failed</em> to <em>respond</em> to this request <em>within</em> the allotted 30 <em>days</em>."]},"sort":[18.113537,"2790110"]},{"_index":"complaint-public-v1","_id":"8086550","_score":18.097374,"_source":{"product":"Debt collection","complaint_what_happened":"I requested that Discover credit card submit to me a validation of debt owed on XX/XX/2023. They have failed to respond within the required 30 days","date_sent_to_company":"2024-01-01T15:14:13.000Z","issue":"False statements or representation","sub_product":"Credit card debt","zip_code":"11212","tags":null,"has_narrative":true,"complaint_id":"8086550","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2024-01-01T15:04:53.000Z","state":"NY","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["I requested that Discover credit card submit to me a <em>validation</em> of debt owed on XX/XX/2023. They have <em>failed</em> to <em>respond</em> <em>within</em> the required 30 <em>days</em>"]},"sort":[18.097374,"8086550"]},{"_index":"complaint-public-v1","_id":"7906789","_score":17.994982,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"RE : Method of Verification document This is response to Transunion '' s failed communication of a copy of verification which I enclosed on XX/XX/2023. I have sent Transunion a letter requesting validation on above accounts. Under the FDCPA, Transunion are required to response to my request for validation within 30 days of receipt of my communication. However, it has been more than 30 days, and Transunion has not yet sent me any documentation of the validity of debts and reinvestigation process procedures. Under both State and Federal consumer law, I have the absolute right to get a debt validated. Transunion is obligated to respond within the statutory time limit Transunion 's failure to respond to my request for validation, is a violation under the FCRA Laws and may result in an investigation by the Federal Trade Commission. Any attempt to collect a debt without properly validation is a violation of the FDCPA and State consumer protection law. Should Transunion continue to attempt to collect these debts without validation, I will sue them in small claims court and subject Transunion to a fine of {$1000.00} per violation as well as my attorney fees and court fees as damages. I want to remind Transunion that they are legally obligated not to report a debt that has not been properly validated. I am sure Transunion wish to resolve this matter as quickly as possible and avoid any unnecessary complications. Should Transunion fail to respond to this letter within 15 days, I will not hesitate to report these violations to the Federal Authorities, my States Attorney General and the Federal Trade Commission Regards, XXXX XXXX XXXX XXXX.","date_sent_to_company":"2023-11-26T17:41:48.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"47130","tags":null,"has_narrative":true,"complaint_id":"7906789","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-11-26T17:03:15.000Z","state":"IN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["Should Transunion <em>fail</em> to <em>respond</em> to this letter <em>within</em> 15 <em>days</em>, I will not hesitate to report these violations to the Federal Authorities, my States Attorney General and the Federal Trade Commission Regards, XXXX XXXX XXXX XXXX."],"company_public_response":["Company has <em>responded</em> to the consumer and the CFPB and chooses not to provide a public response"]},"sort":[17.994982,"7906789"]},{"_index":"complaint-public-v1","_id":"9732903","_score":17.879353,"_source":{"product":"Debt collection","complaint_what_happened":"IN XX/XX/XXXX NCB MANAGEMENT BEGAN REPORTING ON MY CREDIT REPORT AN ALLEGED DEBT OF XXXX, THEY HAVE FAILED TO PROVIDE DEBT VALIDATION WITHIN 30 DAYS AND NCB HAIS FAILED TO RESPOND TO MY DEBT VALIDATION REQUESTS SENT TO THEM IN XXXX. IN XXXX I WROTE NCB INFORMING NCB, I REFUSE TO PAY THE ALLEGED DEBT AND TO CEASE EMAILING ME.","date_sent_to_company":"2024-08-08T02:41:55.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"66044","tags":null,"has_narrative":true,"complaint_id":"9732903","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NCB Management Services Inc.","date_received":"2024-08-08T02:28:27.000Z","state":"KS","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["IN XX/XX/XXXX NCB MANAGEMENT BEGAN REPORTING ON MY CREDIT REPORT AN ALLEGED DEBT OF XXXX, THEY HAVE <em>FAILED</em> TO PROVIDE DEBT <em>VALIDATION</em> <em>WITHIN</em> 30 <em>DAYS</em> AND NCB HAIS <em>FAILED</em> TO <em>RESPOND</em> TO MY DEBT <em>VALIDATION</em> REQUESTS SENT TO THEM IN XXXX. IN XXXX I WROTE NCB INFORMING NCB, I REFUSE TO PAY THE ALLEGED DEBT AND TO CEASE EMAILING ME."]},"sort":[17.879353,"9732903"]},{"_index":"complaint-public-v1","_id":"3774301","_score":17.755993,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/2020 I sent a certified letter to Professional Debt Mediation for debt validation. I mention in my validation letter to please provide me with competent evidence that I had any legal obligation to pay them. i mention to please reply back within 30 days with proper documentation. If the office fails to respond to my validation request within 30 days from the date of receipt, all references to the account must be deleted and completely removed from credit file and a copy of such deletion request shall be sent to me immediately .On XX/XX/2020 a negative was still reported on my credit reports but still I never received a response to my validation letter with the requested information i asked from the professional Debt Mediation. I provided a four page validation letter package for the company to complete but they never responded.","date_sent_to_company":"2020-08-01T06:20:19.000Z","issue":"Written notification about debt","sub_product":"Other debt","zip_code":"75023","tags":null,"has_narrative":true,"complaint_id":"3774301","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Professional Debt Mediation, Inc.","date_received":"2020-08-01T02:03:44.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["If the office <em>fails</em> to <em>respond</em> to my <em>validation</em> request <em>within</em> 30 <em>days</em> from the date of receipt, all references to the account must be deleted and completely removed from credit file and a copy of such deletion request shall be sent to me immediately .On XX/XX/2020 a negative was still reported on my credit reports but still I never received a response to my <em>validation</em> letter with the requested information i asked from the professional Debt Mediation."]},"sort":[17.755993,"3774301"]},{"_index":"complaint-public-v1","_id":"8705041","_score":17.704649,"_source":{"product":"Debt collection","complaint_what_happened":"I sent a debt validation letter to Genesis Credit Management, the collections agency reporting a debt on my credit report, as required by the Fair Debt Collection Practices Act. The letter requested they provide various pieces of information and documentation to validate the alleged debt within 30 days. However, Genesis Credit Management failed to respond to my validation request within the 30-day timeframe mandated by law. They have continued to report the unverified debt on my credit report without providing the required validation.","date_sent_to_company":"2024-04-06T00:36:45.000Z","issue":"Written notification about debt","sub_product":"Rental debt","zip_code":"29715","tags":null,"has_narrative":true,"complaint_id":"8705041","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis","date_received":"2024-04-06T00:23:48.000Z","state":"SC","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["I sent a debt <em>validation</em> letter to Genesis Credit Management, the collections agency reporting a debt on my credit report, as required by the Fair Debt Collection Practices Act. The letter requested they provide various pieces of information and documentation to <em>validate</em> the alleged debt <em>within</em> 30 <em>days</em>. However, Genesis Credit Management <em>failed</em> to <em>respond</em> to my <em>validation</em> request <em>within</em> the 30-day timeframe mandated by law."]},"sort":[17.704649,"8705041"]},{"_index":"complaint-public-v1","_id":"1443516","_score":17.66566,"_source":{"product":"Debt collection","complaint_what_happened":"Creditors Collection Service failed to provide the proper documentation as requested, proper VALIDATION has not been recieved pursuant to the Fair Debt Collection Practices Act. Creditors Collection Service has not provided me with competent evidence that show I have any legal obligation to pay them anything. Creditors Collection Service failed to respond to my validation request within 30 days from the date of receipt.","date_sent_to_company":"2015-07-07T14:19:27.000Z","issue":"Disclosure verification of debt","sub_product":"Medical","zip_code":"24502","tags":null,"has_narrative":true,"complaint_id":"1443516","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Creditor's Collection Service, Inc.","date_received":"2015-06-29T22:24:36.000Z","state":"VA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Not given enough info to verify debt"},"highlight":{"complaint_what_happened":["Creditors Collection Service <em>failed</em> to provide the proper documentation as requested, proper <em>VALIDATION</em> has not been recieved pursuant to the Fair Debt Collection Practices Act. Creditors Collection Service has not provided me with competent evidence that show I have any legal obligation to pay them anything. Creditors Collection Service <em>failed</em> to <em>respond</em> to my <em>validation</em> request <em>within</em> 30 <em>days</em> from the date of receipt."]},"sort":[17.66566,"1443516"]},{"_index":"complaint-public-v1","_id":"2968339","_score":17.63067,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I initially asked experian to validate bankruptcies listed on my credit report on XX/XX/18 via fax. They failed to respond with 30 days and i was notified XX/XX/18. I than asked the to show me their detailed method of verication per the FCRA ON XX/XX/18 via fax. Again they have failed to respond within the 15 days per the FCRA! \n\nChapter XXXX XX/XX/XXXXwrong date Chapter XXXX. XXXXwrong date Cahapter XXXX. XX/XX/XXXX Wrong date","date_sent_to_company":"2018-07-20T14:17:15.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"55021","tags":"Servicemember","has_narrative":true,"complaint_id":"2968339","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2018-07-20T13:52:06.000Z","state":"MN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I initially asked experian to <em>validate</em> bankruptcies listed on my credit report on XX/XX/18 via fax. They <em>failed</em> to <em>respond</em> with 30 <em>days</em> and i was notified XX/XX/18. I than asked the to show me their detailed method of verication per the FCRA ON XX/XX/18 via fax. Again they have <em>failed</em> to <em>respond</em> <em>within</em> the 15 <em>days</em> per the FCRA! \n\nChapter XXXX XX/XX/XXXXwrong date Chapter XXXX. XXXXwrong date Cahapter XXXX. XX/XX/XXXX Wrong date"],"company_public_response":["Company has <em>responded</em> to the consumer and the CFPB and chooses not to provide a public response"],"sub_issue":["Investigation took more than 30 <em>days</em>"]},"sort":[17.63067,"2968339"]},{"_index":"complaint-public-v1","_id":"7115681","_score":17.625467,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/2023 I received a letter from GB Collects LLC at XXXX XXXX XXXX XXXX XXXX NJ XXXX indicating that a debt owed to a pest control company had been turned over for collection. My name was misspelled, indicating that the correspondence was potentially a scam. A notice on the letter indicated that I could dispute the validity of the debt if I responded within 30 days of receipt of the letter. \n\nI responded on XX/XX/2023 within the 30 days specified by the initial notice. My response noted that I doubted the validity of the debt and requested confirmation. GB Collects did not respond to my request for validation. GB Collects has continued to send letters in what I believe to be a fraudulent attempt to recover a debt. Moreover, they failed to meet their legal requirements in validating the debt.","date_sent_to_company":"2023-06-15T02:36:44.000Z","issue":"Written notification about debt","sub_product":"Other debt","zip_code":"173XX","tags":null,"has_narrative":true,"complaint_id":"7115681","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GB Collects, LLC","date_received":"2023-06-15T02:07:26.000Z","state":"PA","company_public_response":"Company believes the complaint is the result of a misunderstanding","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["Moreover, they <em>failed</em> to meet their legal requirements in <em>validating</em> the debt."]},"sort":[17.625467,"7115681"]},{"_index":"complaint-public-v1","_id":"20881506","_score":17.604902,"_source":{"product":"Debt collection","complaint_what_happened":"On XXXX XXXX, XXXX, I requested validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ). They failed to provide proper validation within the required time frame of 30 days. \n\nOn XXXX XXXX, XXXX, I received a billing statement from this agency. This document does not constitute proper validation. A billing statement or account summary is insufficient to establish that I owe this debt or that your agency has the legal right to collect it. \n\nOn XXXX XXXX, XXXX, I sent a failure to validate/insufficient validation letter providing them with an additional 15 days to respond. \n\nIts now XX/XX/XXXX but the company again failed to provide any validation. They are still reporting this to XXXX","date_sent_to_company":"2026-04-02T13:55:38.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"39046","tags":null,"has_narrative":true,"complaint_id":"20881506","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Oliphant United, Inc.","date_received":"2026-04-02T13:40:21.000Z","state":"MS","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["On XXXX XXXX, XXXX, I sent a failure to <em>validate</em>/insufficient <em>validation</em> letter providing them with an additional 15 <em>days</em> to <em>respond</em>. \n\nIts now XX/XX/XXXX but the company again <em>failed</em> to provide any <em>validation</em>. They are still reporting this to XXXX"]},"sort":[17.604902,"20881506"]},{"_index":"complaint-public-v1","_id":"2257503","_score":17.579365,"_source":{"product":"Debt collection","complaint_what_happened":"Sent Letter of Validation to creditor and CC 'd bureaus XX/XX/2016. Creditor failed to respond within 30 days to the Letter of Validation. \nSent Failure to Respond and request for removal to credit bureaus on XX/XX/2016. Received response from bureau, they did not remove item. \nGenesis Credit Management ( collector ) sent partial information on debt on XX/XX/2016, a full 90 after we had sent the original Letter of Validation. We ask that this debt be removed according to the Fair Debt Collection Act.","date_sent_to_company":"2016-12-20T18:53:53.000Z","issue":"Disclosure verification of debt","sub_product":"Other (i.e. phone, health club, etc.)","zip_code":"98665","tags":null,"has_narrative":true,"complaint_id":"2257503","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Genesis Credit Management, LLC","date_received":"2016-12-20T18:53:53.000Z","state":"WA","company_public_response":null,"sub_issue":"Not given enough info to verify debt"},"highlight":{"complaint_what_happened":["Sent Letter of <em>Validation</em> to creditor and CC 'd bureaus XX/XX/2016. Creditor <em>failed</em> to <em>respond</em> <em>within</em> 30 <em>days</em> to the Letter of <em>Validation</em>. \nSent Failure to <em>Respond</em> and request for removal to credit bureaus on XX/XX/2016. Received response from bureau, they did not remove item. \nGenesis Credit Management ( collector ) sent partial information on debt on XX/XX/2016, a full 90 after we had sent the original Letter of <em>Validation</em>."]},"sort":[17.579365,"2257503"]},{"_index":"complaint-public-v1","_id":"3700481","_score":17.577633,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX - Fail to Respond letter XXXX XXXX 2020 XXXX XXXX XXXX XXXX XXXX XXXX, HE XXXX RE : Account of XXXX XXXX Collection amount claimed I owe {$1700.00} Account number XXXX Dear XXXX, This letter is to inform you that the debt collector, Portfolio Recovery Associates has failed to respond in the 30 day timeframe to my Validation letter. The company legally must now cease ALL collection efforts, and remove the negative items placed on my credit report. It's a violation of the collection practices act for a debt collector to fail to respond to my verification letter. \nUnder the Fair Debt Collection Practices Act, Portfolio Recovery Associates, is required to respond to my request for validation within 30 days of receipt of my communication. It has been more than 30 days, and I have yet to receive a response.\n\nUnder both State and Federal consumer law, I have the right to have my debt validated, and Portfolio Recovery Associates is obligated to respond within the statutory time limit. \n\nFailure to respond to my requests for validation is a violation of the Fair Credit Reporting Act. I have included with this letter, a copy of the certified mailed receipt proving that Portfolio Recovery Associates received my Validation letter.\n\nThis letter is to also inform you that the Texas Statute of Limitations ( 4 years ) on this debt has expired. This letter is my legal right of assertion that the debt is no longer a collectable debt. You must hereby cease and desist all collection actions and activities on this account against me, immediately. \n\nPlease be aware, Failure to abide by the FDCPA could result in legal action against you and fines assessed by the U.S. Federal Trade Commission. \nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX","date_sent_to_company":"2020-06-22T13:57:55.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"78665","tags":"Servicemember","has_narrative":true,"complaint_id":"3700481","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2020-06-15T23:54:10.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt was already discharged in bankruptcy and is no longer owed"},"highlight":{"complaint_what_happened":["It's a violation of the collection practices act for a debt collector to <em>fail</em> to <em>respond</em> to my verification letter. \nUnder the Fair Debt Collection Practices Act, Portfolio Recovery Associates, is required to <em>respond</em> to my request for <em>validation</em> <em>within</em> 30 <em>days</em> of receipt of my communication. It has been more than 30 <em>days</em>, and I have yet to receive a response."]},"sort":[17.577633,"3700481"]},{"_index":"complaint-public-v1","_id":"3700493","_score":17.577484,"_source":{"product":"Debt collection","complaint_what_happened":"Equifax - Fail to Respond letter XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX RE : Account of XXXX XXXX Collection amount claimed I owe {$1700.00} Account number XXXX Dear Equifax, This letter is to inform you that the debt collector, XXXX XXXX XXXX has failed to respond in the 30 day timeframe to my Validation letter. The company legally must now cease ALL collection efforts, and remove the negative items placed on my credit report. It's a violation of the collection practices act for a debt collector to fail to respond to my verification letter. \nUnder the Fair Debt Collection Practices Act, XXXX XXXX XXXX, is required to respond to my request for validation within 30 days of receipt of my communication. It has been more than 30 days, and I have yet to receive a response. \n\nUnder both State and Federal consumer law, I have the right to have my debt validated, and XXXX XXXX XXXX is obligated to respond within the statutory time limit. \n\nFailure to respond to my requests for validation is a violation of the Fair Credit Reporting Act. I have included with this letter, a copy of the certified mailed receipt proving that XXXX XXXX XXXX received my Validation letter.\n\nThis letter is to also inform you that the Texas Statute of Limitations ( 4 years ) on this debt has expired. This letter is my legal right of assertion that the debt is no longer a collectable debt. You must hereby cease and desist all collection actions and activities on this account against me, immediately. \n\nPlease be aware, Failure to abide by the FDCPA could result in legal action against you and fines assessed by the U.S. Federal Trade Commission. \nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX","date_sent_to_company":"2020-06-15T23:54:07.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"78665","tags":"Servicemember","has_narrative":true,"complaint_id":"3700493","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-06-15T23:34:41.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt was already discharged in bankruptcy and is no longer owed"},"highlight":{"complaint_what_happened":["It's a violation of the collection practices act for a debt collector to <em>fail</em> to <em>respond</em> to my verification letter. \nUnder the Fair Debt Collection Practices Act, XXXX XXXX XXXX, is required to <em>respond</em> to my request for <em>validation</em> <em>within</em> 30 <em>days</em> of receipt of my communication. It has been more than 30 <em>days</em>, and I have yet to receive a response."]},"sort":[17.577484,"3700493"]},{"_index":"complaint-public-v1","_id":"4464286","_score":17.575771,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"To all parties involved I am submitting this complaint because the companies listed have failed to respond to my requests to address the inaccurate accounts on my report. The letter I sent them requested that they either validate these alleged accounts or remove them from my report. I sent this request out on XXXX XX/XX/2021 and have not received a response. The Fair Credit Reporting Act Section 611 ( a ) states that these items must be removed if they fail to investigate and respond to me within 30 days. I requested these companies to validate the information on the report and they have failed to respond to my requests. Unfortunately were at 44 days with this dilemma and no response has been received from these companies. This information on my reports are invalid and is a form of defamation of character I can not acquire credit and this has caused significant hardship in my life. I was affected by the Equifax data breach and this may be the result of this nefarious activity on my reports.","date_sent_to_company":"2021-06-15T23:49:42.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"13501","tags":null,"has_narrative":true,"complaint_id":"4464286","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-06-15T23:20:03.000Z","state":"NY","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["The Fair Credit Reporting Act Section 611 ( a ) states that these items must be removed if they <em>fail</em> to investigate and <em>respond</em> to me <em>within</em> 30 <em>days</em>. I requested these companies to <em>validate</em> the information on the report and they have <em>failed</em> to <em>respond</em> to my requests. Unfortunately were at 44 <em>days</em> with this dilemma and no response has been received from these companies."]},"sort":[17.575771,"4464286"]},{"_index":"complaint-public-v1","_id":"3544580","_score":17.54624,"_source":{"product":"Debt collection","complaint_what_happened":"Company failed to validate or verify within 30 days of dispute. Original dispute XX/XX/XXXX. They didnt respond until XX/XX/XXXX during a second dispute. Never received any written communication","date_sent_to_company":"2020-02-26T07:00:11.000Z","issue":"Written notification about debt","sub_product":"Other debt","zip_code":"60443","tags":null,"has_narrative":true,"complaint_id":"3544580","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Sequium Asset Solutions, LLC","date_received":"2020-02-26T01:54:11.000Z","state":"IL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["Company <em>failed</em> to <em>validate</em> or verify <em>within</em> 30 <em>days</em> of dispute. Original dispute XX/XX/XXXX. They didnt <em>respond</em> until XX/XX/XXXX during a second dispute. Never received any written communication"]},"sort":[17.54624,"3544580"]},{"_index":"complaint-public-v1","_id":"9717413","_score":17.543787,"_source":{"product":"Debt collection","complaint_what_happened":"Unlawful Debt Collection Practices : On XX/XX/year>, I sent a debt validation request to XXXX XXXX XXXX. Despite the FDCPAs requirement to respond within 30 days, I received an inadequate response 53 days later, on XX/XX/year>. \nThey failed to provide the necessary validation of the debt, violating 15 U.S.C. 1692g ( b ).","date_sent_to_company":"2024-08-05T03:12:33.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"79938","tags":"Servicemember","has_narrative":true,"complaint_id":"9717413","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2024-08-05T02:43:49.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Unlawful Debt Collection Practices : On XX/XX/year>, I sent a debt <em>validation</em> request to XXXX XXXX XXXX. Despite the FDCPAs requirement to <em>respond</em> <em>within</em> 30 <em>days</em>, I received an inadequate response 53 <em>days</em> later, on XX/XX/year>. \nThey <em>failed</em> to provide the necessary <em>validation</em> of the debt, violating 15 U.S.C. 1692g ( b )."]},"sort":[17.543787,"9717413"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":9461,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":9461}]}},"product":{"doc_count":9461,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":4617,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":4559},{"key":"Other personal consumer report","doc_count":58}]}},{"key":"Debt 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