{"took":257,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":1428,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"14274267","_score":26.737356,"_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":["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."],"product":["Debt collection"]},"sort":[26.737356,"14274267"]},{"_index":"complaint-public-v1","_id":"6457995","_score":26.353151,"_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":[26.353151,"6457995"]},{"_index":"complaint-public-v1","_id":"1612610","_score":26.34901,"_source":{"product":"Credit reporting","complaint_what_happened":"\" Within five days after the initial communication with a consumer in connection with the collection of any debt, a Creditor 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 Creditor ; ( 4 ) a statement that if the consumer notifies the Creditor in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the Creditor 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 Creditor ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the Creditor will provide the consumer with the name and address of the original creditor, if different from the current creditor. ''","date_sent_to_company":"2015-10-21T13:06:15.000Z","issue":"Credit reporting company's investigation","sub_product":null,"zip_code":"91335","tags":null,"has_narrative":true,"complaint_id":"1612610","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2015-10-18T00:05:42.000Z","state":"CA","company_public_response":null,"sub_issue":"No notice of investigation status/result"},"highlight":{"complaint_what_happened":["thirty-day period, the Creditor will provide the consumer with the name and address of the original creditor, if different from the current creditor"]},"sort":[26.34901,"1612610"]},{"_index":"complaint-public-v1","_id":"3208129","_score":26.288582,"_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":[26.288582,"3208129"]},{"_index":"complaint-public-v1","_id":"4298172","_score":26.218317,"_source":{"product":"Debt collection","complaint_what_happened":"NCB Management in violation of 808 and 809. Unfair practices and Validation of debt. \nI failed to receive in writing : ( 1 ) the amount of the debt ; ( 2 ) the name of the original 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":"2021-04-15T05:00:36.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"860XX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"4298172","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NCB Management Services Inc.","date_received":"2021-04-15T00:42:19.000Z","state":"AZ","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["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."],"product":["Debt collection"],"issue":["Written notification about debt"],"sub_issue":["Didn't receive enough information to verify debt"]},"sort":[26.218317,"4298172"]},{"_index":"complaint-public-v1","_id":"8720807","_score":25.60514,"_source":{"product":"Debt collection","complaint_what_happened":"According to my credit report, the original creditor named XXXX XXXX XXXX XXXX was removed from my credit report as of XX/XX/24XXXX LVNV FUNDING LLC purchased this debt from XXXX XXXX XXXX XXXX and alleges that I owe the debt. Also according to my consumer reports from XXXX, XXXX, and XXXX, they are all showing different account statuses which is harming my ability to obtain credit for an automobile. \n\nAs a consumer, I am entitled to receive certain information under the law governing debt collection practices ( 15 USC 1692a ). Within five days of the initial communication with me regarding the collection of a debt, the debt collector must provide me with a written notice containing the following information : 1. The amount of the debt.\n\n2. The name of the creditor to whom the debt is owed.\n\n3. A statement informing me that unless I dispute the validity of the debt, or any portion of it, within thirty days of receiving the notice, the debt will be assumed to be valid by the debt collector.\n\n4. A statement informing me that if I notify 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 me, and will mail me a copy of such verification or judgment.\n\n5. A statement informing me that, upon my written request within the thirty-day period, the debt collector will provide me with the name and address of the original creditor, if different from the current creditor. \n\nThese provisions are in place to ensure that I, as a consumer, am provided with essential information about my debts and am afforded the opportunity to dispute any inaccuracies.","date_sent_to_company":"2024-04-08T13:30:13.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"77007","tags":null,"has_narrative":true,"complaint_id":"8720807","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2024-04-08T12:36:04.000Z","state":"TX","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["A statement informing me that, upon my written request within the thirty-day period, the debt collector will provide me with the name and address of the original creditor, if different from the current creditor. \n\nThese provisions are in place to ensure that I, as a consumer, am provided with essential information about my debts and am afforded the opportunity to dispute any inaccuracies."],"product":["Debt collection"],"issue":["Written notification about debt"]},"sort":[25.60514,"8720807"]},{"_index":"complaint-public-v1","_id":"3537127","_score":25.578701,"_source":{"product":"Debt collection","complaint_what_happened":"I looked at my credit profile to realize that a fraudulent collection account had been added to my credit profile. One, the agency never notified me by mail for verification per FCRA laws. Second, they didn't verify the debt. I do not owe the debt to XXXX Hospital nor to this creditor. \n\nThe FDCPA gives consumers the right to have the following information in writing within five days of the initial communication from a debt collector : The amount of the debt.The name of the creditor to whom the debt is owed.A statement that, unless the consumer disputes the validity of the debt, or any portion thereof, within 30 days after receiving the notice, 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. The debt collector must mail a copy of this verification or judgment to the consumer.A statement that, upon the consumers written 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. \n\nI didn't not recieve this. That is a direct violation of my rights.","date_sent_to_company":"2020-02-19T20:42:28.000Z","issue":"Written notification about debt","sub_product":"Medical debt","zip_code":"365XX","tags":null,"has_narrative":true,"complaint_id":"3537127","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Merchants Adjustment Service, Inc.","date_received":"2020-02-19T20:34:01.000Z","state":"AL","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["The debt collector must mail a copy of this verification or judgment to the consumer.A statement that, upon the consumers written 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. \n\nI didn't not recieve this. That is a direct violation of my rights."],"product":["Debt collection"],"issue":["Written notification about debt"],"sub_product":["Medical debt"]},"sort":[25.578701,"3537127"]},{"_index":"complaint-public-v1","_id":"5387362","_score":25.527592,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"On XX/XX/2022, Upgrade received my debt validation letter on XX/XX/2022. I have not received any confirmation within 60 days of this validation. Within this time period i have not received the following : ( 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":"2022-03-30T16:57:12.000Z","issue":"Getting the loan","sub_product":"Installment loan","zip_code":"30324","tags":null,"has_narrative":true,"complaint_id":"5387362","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UPGRADE, INC.","date_received":"2022-03-30T16:39:16.000Z","state":"GA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":[", 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."]},"sort":[25.527592,"5387362"]},{"_index":"complaint-public-v1","_id":"8834503","_score":25.265327,"_source":{"product":"Debt collection","complaint_what_happened":"I request validation of debt based on the below laws : 15 U.S. Code 1692g - Validation of debts ( 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 days 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 thirty days, 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":"2024-04-24T20:23:14.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"20770","tags":null,"has_narrative":true,"complaint_id":"8834503","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Velocity Portfolio Group","date_received":"2024-04-22T17:21:58.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["; and ( 5 ) a statement that, upon the consumers written request within thirty days, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor."],"product":["Debt collection"],"issue":["Written notification about debt"],"sub_product":["Credit card debt"]},"sort":[25.265327,"8834503"]},{"_index":"complaint-public-v1","_id":"14789719","_score":25.23738,"_source":{"product":"Debt collection","complaint_what_happened":"Dear SYNCHRONY BANK, I am writing to request validation of a debt that has been reported to the credit bureaus. According to the information provided, the original creditor is SYNCHRONY BANK, with the following contact details : Address : XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX Phone Number : ( XXXX ) XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide the following information : Verification of the debt, including the original amount, current balance, and an itemized accounting of any interest, fees, or other charges added to the original amount. \n\nCopies of any and all documents and records relating to this debt, including the original contract or agreement. \n\nThe name and contact information of the original creditor, if different from the current creditor. \n\nProof that you have the legal authority to collect this debt. \n\nPlease provide this information within 30 days of receiving this letter. If you are unable to verify the debt or provide the requested information, I ask that you immediately cease all collection activities and remove any negative reporting from my credit file. \n\nThank you for your attention to this matter. I look forward to your prompt response. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-07-20T00:08:41.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"212XX","tags":null,"has_narrative":true,"complaint_id":"14789719","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2025-07-19T23:52:20.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Copies of any and all documents and records relating to this debt, including the original contract or agreement. \n\nThe name and contact information of the original creditor, if different from the current creditor. \n\nProof that you have the legal authority to collect this debt. \n\nPlease provide this information within 30 days of receiving this letter."],"product":["Debt collection"]},"sort":[25.23738,"14789719"]},{"_index":"complaint-public-v1","_id":"3796363","_score":25.223457,"_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"]},"sort":[25.223457,"3796363"]},{"_index":"complaint-public-v1","_id":"5733635","_score":24.91999,"_source":{"product":"Debt collection","complaint_what_happened":"United revenue corporation has violated my rights. \n\n15 U.S.C 1692g : Validation of debts ( 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. \n\n( 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 consumer 's right to dispute the debt or request the name and address of the original creditor. \nAccount # XXXX and Account # XXXX are fraudulent and inaccurate, debt collector/Original creditor failed to verify debt after receiving dispute letter thru certify mail","date_sent_to_company":"2022-07-04T20:49:18.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"762XX","tags":null,"has_narrative":true,"complaint_id":"5733635","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"United Revenue Corporation","date_received":"2022-07-04T20:20:43.000Z","state":"TX","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["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"],"product":["Debt collection"],"issue":["Written notification about debt"],"sub_issue":["Didn't receive enough information to verify debt"]},"sort":[24.91999,"5733635"]},{"_index":"complaint-public-v1","_id":"2081489","_score":24.883251,"_source":{"product":"Debt collection","complaint_what_happened":"I have received a letter from Mnet Financial ( XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) attempting to collect a debt that I am disputing. However the letter is in violation of Section 809 of the FDCPA. The letter did not make these XXXX ( XXXX ) required statements : -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. \n- 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. \n- 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":"2016-08-25T17:33:37.000Z","issue":"Disclosure verification of debt","sub_product":"Medical","zip_code":"941XX","tags":null,"has_narrative":true,"complaint_id":"2081489","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mnet Financial Inc","date_received":"2016-08-25T17:33:36.000Z","state":"CA","company_public_response":null,"sub_issue":"Right to dispute notice not received"},"highlight":{"complaint_what_happened":["- 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."],"product":["Debt collection"],"issue":["Disclosure verification of debt"]},"sort":[24.883251,"2081489"]},{"_index":"complaint-public-v1","_id":"5719394","_score":24.88052,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Due to 15 U.S. Code 1692g - Validation of debts ( 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. ( 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. I am also a victim of identity theft in XXXX","date_sent_to_company":"2022-06-28T05:06:53.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"352XX","tags":null,"has_narrative":true,"complaint_id":"5719394","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-06-28T05:06:49.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["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. ( 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"]},"sort":[24.88052,"5719394"]},{"_index":"complaint-public-v1","_id":"5082674","_score":24.877954,"_source":{"product":"Debt collection","complaint_what_happened":"Consumer Adjustment Co, placed a collection on my consumer credit report without following the proper procedures and they are in VIOLATION of the following federal laws : 15 USC 1692G-I never received an initial communication from this debt collection company about the alleged debt or the ORIGINAL CREDITOR. 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. Also, this company is NOT the original creditor for the alleged debt how can this debt be validated I have never had a contract or a wet signature with Consumer Adjustment Co. According to 15 USC 1692J-Consumer Adjustment Co is in violation of this law as well as the alleged debt that is currently reporting on my consumer credit report hasn't been validated by myself as the original creditor or the closed hospital the is reporting. ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. This is also a HIPPA violation for reporting an alleged debt without my consent or providing me the signed HIPPA notice","date_sent_to_company":"2022-01-07T19:16:38.000Z","issue":"Written notification about debt","sub_product":"Medical debt","zip_code":"76116","tags":null,"has_narrative":true,"complaint_id":"5082674","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Consumer Adjustment Company Incorporated","date_received":"2022-01-07T18:43:47.000Z","state":"TX","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["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."],"product":["Debt collection"],"issue":["Written notification about debt"],"sub_product":["Medical debt"],"sub_issue":["Didn't receive enough information to verify debt"]},"sort":[24.877954,"5082674"]},{"_index":"complaint-public-v1","_id":"5081487","_score":24.877954,"_source":{"product":"Debt collection","complaint_what_happened":"United Revenue Corp placed a collection on my consumer credit report without following the proper procedures and they are in VIOLATION of the following federal laws : 15 USC 1692G-I never received an initial communication from this debt collection company about the alleged debt or the ORIGINAL CREDITOR. 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. Also, this company is NOT the original creditor for the alleged debt how can this debt be validated I have never had a contract or a wet signature with United Revenue Corp . According to 15 USC 1692J-United Revenue Corp is in violation of this law as well as the alleged debt that is currently reporting on my consumer credit report hasn't been validated by myself as the original creditor or the closed hospital the is reporting. ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. This is also a HIPPA violation for reporting an alleged debt without my consent or providing me the signed HIPPA notice","date_sent_to_company":"2022-01-07T19:31:36.000Z","issue":"Written notification about debt","sub_product":"Medical debt","zip_code":"76116","tags":null,"has_narrative":true,"complaint_id":"5081487","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"United Revenue Corporation","date_received":"2022-01-07T19:22:37.000Z","state":"TX","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["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."],"product":["Debt collection"],"issue":["Written notification about debt"],"sub_product":["Medical debt"],"sub_issue":["Didn't receive enough information to verify debt"]},"sort":[24.877954,"5081487"]},{"_index":"complaint-public-v1","_id":"5081495","_score":24.877214,"_source":{"product":"Debt collection","complaint_what_happened":"RS Clark and Associate placed a collection on my consumer credit report without following the proper procedures and they are in VIOLATION of the following federal laws : 15 USC 1692G-I never received an initial communication from this debt collection company about the alleged debt or the ORIGINAL CREDITOR. 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. Also, this company is NOT the original creditor for the alleged debt how can this debt be validated I have never had a contract or a wet signature with RS Clark and Associate. According to 15 USC 1692J-RS Clark and Associate is in violation of this law as well as the alleged debt that is currently reporting on my consumer credit report hasn't been validated by myself as the original creditor or the closed hospital the is reporting. ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. This is also a HIPPA violation for reporting an alleged debt without my consent or providing me the signed HIPPA notice","date_sent_to_company":"2022-01-07T20:03:18.000Z","issue":"Written notification about debt","sub_product":"Medical debt","zip_code":"76116","tags":null,"has_narrative":true,"complaint_id":"5081495","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"RS Clark and Associates, Inc.","date_received":"2022-01-07T19:58:11.000Z","state":"TX","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["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."],"product":["Debt collection"],"issue":["Written notification about debt"],"sub_product":["Medical debt"],"sub_issue":["Didn't receive enough information to verify debt"]},"sort":[24.877214,"5081495"]},{"_index":"complaint-public-v1","_id":"7377833","_score":24.874775,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX has posted an allege debt of {$230.00} on my private personal consumer report held and shared by XXXX and Lexis Nexis without properly, legally and lawfully notifying me in the proper manner in which would have afforded me the opportunity to exercise my rights and dispute the allege debt if need be. XXXX and Lexis Nexis has violated several consumer laws by posting, sharing and/or adding remarks to my personal private consumer report pertaining to any transactions and experiences that may or may not have taken place pertaining to this matter, account and/or allege debt/claim. Under the Fair Debt Collection Practices Act Validation of Debts A debt collector must provide the consumer with certain basic information. If that information was not in the initial communication and if the consumer has not paid the debt XXXX days after the initial communication, all of the following information must be sent to the consumer in written form : The amount of the debt The name of the creditor to whom the debt is owed Notice that the consumer has XXXX days to dispute the debt before it is assumed to be valid. Notice that upon such written dispute, the debt collector will send the consumer a verification of the debt or a copy of any judgment If the original creditor is different from the current creditor, notice that if the consumer makes a written request for the name and address of the original creditor within the thirty-day period, the debt collector will provide that information If, within the thirty-day period, the consumer disputes in writing any portion of the debt or requests the name and address of the original creditor, the collector must stop all collection efforts until he or she mails the consumer a copy of a judgment or verification of the debt, or the name and address of the original creditor, as applicable.","date_sent_to_company":"2023-08-09T11:05:09.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"11213","tags":null,"has_narrative":true,"complaint_id":"7377833","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2023-08-09T10:57:42.000Z","state":"NY","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Notice that upon such written dispute, the debt collector will send the consumer a verification of the debt or a copy of any judgment If the original creditor is different from the current creditor, notice that if the consumer makes a written request for the name and address of the original creditor within the thirty-day period, the debt collector will provide that information If, within the thirty-day period, the consumer disputes in writing any portion of the debt or requests the name and address"]},"sort":[24.874775,"7377833"]},{"_index":"complaint-public-v1","_id":"7372841","_score":24.874775,"_source":{"product":"Debt collection","complaint_what_happened":"LVNV has posted an allege debt of {$230.00} on my private personal consumer report held and shared by XXXX and XXXX XXXX without properly, legally and lawfully notifying me in the proper manner in which would have afforded me the opportunity to exercise my rights and dispute the allege debt if need be. \nXXXX and XXXX XXXX has violated several consumer laws by posting, sharing and/or adding remarks to my personal private consumer report pertaining to any transactions and experiences that may or may not have taken place pertaining to this matter, account and/or allege debt/claim. \nUnder the Fair Debt Collection Practices Act Validation of Debts A debt collector must provide the consumer with certain basic information. If that information was not in the initial communication and if the consumer has not paid the debt five days after the initial communication, all of the following information must be sent to the consumer in written form : The amount of the debt The name of the creditor to whom the debt is owed Notice that the consumer has thirty days to dispute the debt before it is assumed to be valid. \nNotice that upon such written dispute, the debt collector will send the consumer a verification of the debt or a copy of any judgment If the original creditor is different from the current creditor, notice that if the consumer makes a written request for the name and address of the original creditor within the thirty-day period, the debt collector will provide that information If, within the thirty-day period, the consumer disputes in writing any portion of the debt or requests the name and address of the original creditor, the collector must stop all collection efforts until he or she mails the consumer a copy of a judgment or verification of the debt, or the name and address of the original creditor, as applicable.","date_sent_to_company":"2023-08-09T10:54:51.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"11213","tags":null,"has_narrative":true,"complaint_id":"7372841","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2023-08-09T10:19:58.000Z","state":"NY","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["Notice that upon such written dispute, the debt collector will send the consumer a verification of the debt or a copy of any judgment If the original creditor is different from the current creditor, notice that if the consumer makes a written request for the name and address of the original creditor within the thirty-day period, the debt collector will provide that information If, within the thirty-day period, the consumer disputes in writing any portion of the debt or requests the name and address"],"product":["Debt collection"],"issue":["Written notification about debt"],"sub_product":["Credit card debt"]},"sort":[24.874775,"7372841"]},{"_index":"complaint-public-v1","_id":"5778788","_score":24.85509,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Due to 15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contents Within XXXX 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 XXXX 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. ( 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. I am also a victim of identity theft in 2015","date_sent_to_company":"2022-07-16T07:40:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"352XX","tags":null,"has_narrative":true,"complaint_id":"5778788","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-07-16T07:40:34.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["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. ( 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"]},"sort":[24.85509,"5778788"]},{"_index":"complaint-public-v1","_id":"5719396","_score":24.85509,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Due to 15 U.S. Code 1692g - Validation of debts ( 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. ( 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. I am also a victim of identity theft in XXXX","date_sent_to_company":"2022-06-28T05:06:53.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"352XX","tags":null,"has_narrative":true,"complaint_id":"5719396","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-06-28T05:06:49.000Z","state":"AL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["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. ( 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"]},"sort":[24.85509,"5719396"]},{"_index":"complaint-public-v1","_id":"5416438","_score":24.85509,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Due to 15 U.S. Code 1692g - Validation of debts ( 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.\n\n( 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.\n\nI am also a victim of identity theft in 2020 and a victim of identity theft in 2020.","date_sent_to_company":"2022-04-07T03:45:15.000Z","issue":"Incorrect information on your report","sub_product":"Other personal consumer report","zip_code":"360XX","tags":null,"has_narrative":true,"complaint_id":"5416438","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-04-07T03:33:56.000Z","state":"AL","company_public_response":null,"sub_issue":"Information is incorrect"},"highlight":{"complaint_what_happened":["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"]},"sort":[24.85509,"5416438"]},{"_index":"complaint-public-v1","_id":"7373402","_score":24.852888,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX has posted an allege debt of {$230.00} on my private personal consumer report held and shared by XXXX and XXXX XXXX without properly, legally and lawfully notifying me in the proper manner in which would have afforded me the opportunity to exercise my rights and dispute the allege debt if need be. \nXXXX and XXXX XXXX has violated several consumer laws by posting, sharing and/or adding remarks to my personal private consumer report pertaining to any transactions and experiences that may or may not have taken place pertaining to this matter, account and/or allege debt/claim. \nUnder the Fair Debt Collection Practices Act Validation of Debts A debt collector must provide the consumer with certain basic information. If that information was not in the initial communication and if the consumer has not paid the debt five days after the initial communication, all of the following information must be sent to the consumer in written form : The amount of the debt The name of the creditor to whom the debt is owed Notice that the consumer has thirty days to dispute the debt before it is assumed to be valid. \nNotice that upon such written dispute, the debt collector will send the consumer a verification of the debt or a copy of any judgment If the original creditor is different from the current creditor, notice that if the consumer makes a written request for the name and address of the original creditor within the thirty-day period, the debt collector will provide that information If, within the thirty-day period, the consumer disputes in writing any portion of the debt or requests the name and address of the original creditor, the collector must stop all collection efforts until he or she mails the consumer a copy of a judgment or verification of the debt, or the name and address of the original creditor, as applicable.","date_sent_to_company":"2023-08-23T13:52:17.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"11213","tags":null,"has_narrative":true,"complaint_id":"7373402","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2023-08-09T10:54:55.000Z","state":"NY","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["Notice that upon such written dispute, the debt collector will send the consumer a verification of the debt or a copy of any judgment If the original creditor is different from the current creditor, notice that if the consumer makes a written request for the name and address of the original creditor within the thirty-day period, the debt collector will provide that information If, within the thirty-day period, the consumer disputes in writing any portion of the debt or requests the name and address"],"product":["Debt collection"],"issue":["Written notification about debt"],"sub_product":["Credit card debt"]},"sort":[24.852888,"7373402"]},{"_index":"complaint-public-v1","_id":"5789381","_score":24.849333,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Due to 15 U.S. Code 1692g - Validation of debts ( 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. ( 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. I am also a victim of identity theft in 2020.","date_sent_to_company":"2022-07-19T05:17:41.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"334XX","tags":null,"has_narrative":true,"complaint_id":"5789381","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-07-19T05:17:37.000Z","state":"FL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["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. ( 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"]},"sort":[24.849333,"5789381"]},{"_index":"complaint-public-v1","_id":"1491256","_score":24.837225,"_source":{"product":"Credit reporting","complaint_what_happened":"I am requesting validation of a judgement recorded on my report under the company name of ; XXXX XXXX. The judgement was filed with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Tx XXXX. I have recently had my credit report investigated for a removal of a judgment that did not belong to me. \nThe FTC outlines the contents of the letter that you should receive : How much you oweWho you oweStatement giving you 30 days to dispute the debtStatement that, if you dispute the debt in the given 30 day time frame, the collector will mail you the verification of the debt or a copy of the judgement against youStatement that the collector will provide the name and address of the original creditor ( if different from the current creditor ) if you write a request for that within 30 daysNote : If you dispute the debt within 30 days, the debt collector must cease attempts to collect until they 've mailed you verification of the debt or a copy of the judgement to you.","date_sent_to_company":"2015-07-28T19:27:53.000Z","issue":"Incorrect information on credit report","sub_product":null,"zip_code":"77449","tags":null,"has_narrative":true,"complaint_id":"1491256","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2015-07-28T02:18:52.000Z","state":"TX","company_public_response":"Company chooses not to provide a public response","sub_issue":"Public record"},"highlight":{"complaint_what_happened":["The FTC outlines the contents of the letter that you should receive : How much you oweWho you oweStatement giving you 30 days to dispute the debtStatement that, if you dispute the debt in the given 30 day time frame, the collector will mail you the verification of the debt or a copy of the judgement against youStatement that the collector will provide the name and address of the original creditor ( if different from the current creditor ) if you write a request for that within 30 daysNote : If you"]},"sort":[24.837225,"1491256"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":1428,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":1428}]}},"product":{"doc_count":1428,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt collection","doc_count":722,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":337},{"key":"Credit card debt","doc_count":141},{"key":"Other debt","doc_count":85},{"key":"Medical debt","doc_count":61},{"key":"Auto debt","doc_count":29},{"key":"Telecommunications debt","doc_count":16},{"key":"Rental debt","doc_count":14},{"key":"Medical","doc_count":9},{"key":"Mortgage debt","doc_count":8},{"key":"Federal student loan debt","doc_count":7},{"key":"Other (i.e. phone, health club, etc.)","doc_count":7},{"key":"Payday loan 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