Review and analysis of over 23,015 consumer complaints
| Company | Complaints |
|---|---|
| Encore Capital Group | 1,487 |
| Enhanced Recovery Company, LLC | 990 |
| Portfolio Recovery Associates, Inc. | 713 |
| Convergent Resources, Inc. | 522 |
| Expert Global Solutions, Inc. | 454 |
Berlin-Wheeler, Inc. (Kansas) Debt collection cont'd attempts collect debt not owed debt is not mine April 13, 2017 - - had always charged me - per month then all of the sudden i was charged -. I called my credit card company to dispute the difference of $23.00 to bring my bill back to -. The credit card company credited me back $23.00 and they never contacted - as the $23.00 amount was too low for the bank to pursue - to give them that money back. - was made aware of this and they told me i was lying. I then called my credit card company and told them what was going on, so we decided to call - together. - again said i was lying and then they were made aware the bank was on th... |
Simon’s Agency, Inc Debt collection cont'd attempts collect debt not owed debt is not mine April 12, 2017 - The bill belongs to - and I have been telling them this for the past two years now and after I show prove they removed one bill and sent me a letter saying that it was removed then they but it right back on my credit report and it 's not even my bill!... |
HCFS Health Care Financial Services, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine April 12, 2017 - Agency is repeatedly reporting false information on consumers credit report. There has been no verification of contract or agreement between consumer and this creditor, therefore the collection agency should not be reporting. Verification of contract needs to be produced to verify obligation by consumer.... |
Phoenix Financial Services LLC Debt collection cont'd attempts collect debt not owed debt is not mine April 12, 2017 - I am not sure where this account originated from. I have sent numerous letters asking that this account be validated or some sort of documentation bearing my signature be provided to me as it is my right. All of my efforts have been ignored. I would like to be provided with proof this account really exists and belongs to me.... |
HCFS Health Care Financial Services, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine April 12, 2017 - To the best of my knowledge I have no contractual obligation with this company. I do n't know where this company has come from. I sent a request for them to provide me documentation and proof of this account as its my right to do so. However they fail to provide me any information. They continually just sends me a statement. I contacted the credit bureaus and they have failed to respond and or provide proper documentation.... |
The CMI Group, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine April 11, 2017 - Credit Management is attempting to collect a debt I do n't owe to them. I never established a contract with this company at all, furthermore they are in direct violation of the FCRA Law, by placing negative tradeline to all - of credit reports which is a complete slander to my name.... |
HCFS Health Care Financial Services, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine April 11, 2017 - I have contacted ARS numerous times asking for signed proof this charge belongs to me. They have never sent me anything showing proof. This charge is not mine and I would like it removed at once from my credit report. They can not provide me with any original paper work, signatures or ID copies.... |
Convergent Resources, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine April 11, 2017 - CONVERGENT OUTSOURCING AGENCY PLACED A COLLECTION ON MY - AND - REPORT REGARDING A - ACCOUNT ON -/-/-. THEY PLACED THIS ON THE CREDIT REPORT ON OR AROUND -/-/-. MY SCORE ONCE AGAIN HAS BEEN LOWERED. I SPOKE TO THIS COLLECTION AGENCY AND FOUND OUT THAT THEY DID NOT HAVE ANYTHING IN THEIR SYSTEM. THEN AFTER A BIT ON THE PHONE THEY SAID - RECALLED THIS ISSUE ON -/-/-. THE COLLECTION AGENCY PROCEEDED TO PLACE THIS ON MY CREDIT ANYWAY. I CONTACTED - IN PENNSYLVANIA REGARDING THIS ISSUE AND THE AGENT STATED THAT THERE WAS NO NEGATIVE ACCOUNTS IN THE SYSTEM ON ME. THIS I... |
First Federal Credit Control Debt collection cont'd attempts collect debt not owed debt is not mine April 11, 2017 - In - -/-/2012, a police officer assaulted me in Florida then the unit on site sent me to the hospital involved with - bills listed on my credit reports : First Fed Control # - and - # -. I find the facts that I was sent to a hospital outside of my permission, did not sign any authorization for treatment, then was charged for this event as humiliating, degrading, and disrespectful. Since -/-/2012, I have received numerous debt collection letters related to this event that was dismissed by the Florida court system and remains on my record. I reported this to a representative o... |
Convergent Resources, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine April 11, 2017 - I have communicated with the debt collector by way of certified mail for the agency to certify the debt to which they has refused to respond. They refuse to prove that the debt is in fact mine. I have made the request numerous times.... |
Capital Accounts, LLC Debt collection cont'd attempts collect debt not owed debt is not mine April 11, 2017 - Capital Accounts has no legal right to collect/ report on this alleged debt that 1. I have no contractual obligation to Capital Accounts for charges that were paid by insurance. 2. Debt is past statute of limitations... |
Debt Recovery Solutions, LLC Debt collection cont'd attempts collect debt not owed debt is not mine April 10, 2017 - Upon moving out of my apartment I paid all of my bills and closed all accounts. That includes my cable which I got from -. - said to return the hardware for the cable thru -, which I did. I have the ups receipt to show that I sent all hardware back to -. My credit reports were showing that I owed - $300.00. I contacted - and showed the receipt to prove I have taken care of everything on my end. They closed the debt and I waited for - to delete it as well. After trying to get - to delete the debt I have not been successful. I have shown them all the proof I have and st... |
Professional Recovery Consultants, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine April 10, 2017 - I received a bill from - over a year ago. They had not filed insurance on two bills. So I called and asked them to file the insurance and they said they would. They filed insurance on one but not the other. I called them back and paid the one that was filed with insurance. I asked them to file the other one. I received a 3rd bill where they had not filed insurance. I called them back and asked them to file again. I then received a letter from a collection agency. I called them and told them that the insurance was not filed and they sent back to - to file insurance. It was sent to another... |
Phoenix Financial Services LLC Debt collection cont'd attempts collect debt not owed debt is not mine April 9, 2017 - I 've recently pulled my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never done business with this company and neither have they provided me with services or goods... |
First Federal Credit Control Debt collection cont'd attempts collect debt not owed debt is not mine April 9, 2017 - Medical debt of my minor son is his father who 's guarantor of his health insurance. I never received any medical bill from dr... |
New Century Financial Services, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine April 8, 2017 - Hi, The following complain disputing again New Century Financial Services , Inc. for NOT reporting accurate credit information. An account was placed under my name erroneously. Since then, New Century Financial Services , Inc. Has damaged my name, and my credit. New Century Financial Services , Inc. has entered derogatory information into my credit file. After multiple attempts to contact New Century Financial Services , Inc., The Company is unresponsive to any of my inquiry. A request has been made for the company to provide validation of this debt. So far, the company has not comply with th... |
Convergent Resources, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine April 7, 2017 - This is the 3rd time that Convergent has sent a letter to my address, alleging an unpaid debt to -. Again, there is no such debt.... |
I.C. System, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine April 7, 2017 - I have sent 3 certified letters to this company requesting that they validate this account. I have never had this service & have knowledge of the at all. I requested a contract or some type of agreement between myself and the company be provided to me however, they have ignored an nagated every request. I spoke with - - id # - and he told me to just file identity theft or fraud because that was the easiest route. All my attempts to resolve this matter with this company have failed. I want this account removed from all - credit bureaus and their files if they can not provide me the ... |
Convergent Resources, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine April 7, 2017 - CONVERGENT is trying to collect a debt that is not mine. According to - this acct was not opened with no date of birth or social under their no credit check program. my name is a common and and I also have a cousin with the same exact first middle and last name. I am requesting this to be removed because this is not my debt.... |
McCarthy, Burgess & Wolff, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine April 7, 2017 - I have contacted this collection agency three times over the past 3 months to cease seeking payment for this debt. I sent them an identity theft report that states this account is not mine via certified mail. Instead of ceasing payment collection, the collection agency instead sent over a debt validation that does not provide a contract with my legal signature or identifying information. No contract was sent. They only provided typewritten invoices that DO NOT bear my legal signature on an actual contract.... |
KelKris Associates Inc Debt collection cont'd attempts collect debt not owed debt is not mine April 6, 2017 - Credit Bureau Associates has puta collection/charge off on my credit for a account that is no longer mines!... |
HCFS Health Care Financial Services, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine April 6, 2017 - I have no knowledge of this debt. I attempt to request for contract or any legal documents showing proof. No documentation has been provided.... |
Convergent Resources, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine April 6, 2017 - I have reached out to this company to validate debt and they have yet to validate. I am requesting valid documentation as well as my signature to alleged debt... |
Eastern Account Systems of Connecticut, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine April 6, 2017 - Eastern Account System has placed a account on my credit that is n't mine from - in the amount of $320.00. I 've reached out to - on numerous occasions and the only information that was given to me that it is a account sold to Eastern Account System also that this account is 2 months away from reaching the statue of limitations in the state of Georgia and also could n't identify the debt as being mine. I wrote Eastern Account System to receive a debt validation, I have n't yet received any response. I 've called them at the number reporting on my credit report which is - and left se... |
AAS Debt Recovery Inc. Debt collection cont'd attempts collect debt not owed debt is not mine April 6, 2017 - They are trying to state my debt validation letter was a payment plan. The letter clearly does not state anything about payment. They violated my rights. I want full removal of trade line. No where indicates payment plan. They misrepresented everything I sent to them to fit to their agenda.... |
ATG Credit, LLC Debt collection cont'd attempts collect debt not owed debt is not mine April 6, 2017 - I filed an injury report with my employer in -/-/2011, resulting from improper working conditions, and was ordered to undergo an examination by the employer by the employer 's chosen doctor, -. Under Illinois law, the employer, - was required to pay for the examination. Later, after a workman 's compensation complaint was denied by my employer 's insurance, the employer refused to pay for the examination. - then demanded that I pay for the examination. I told them I did n't owe it. I told them to submit it to my medical insurance, -, if they insisted the debt was valid, but, ... |
Capital Accounts, LLC Debt collection cont'd attempts collect debt not owed debt is not mine April 5, 2017 - CAPITAL - TRYING TO COLLECT A DEBT I DO NOT OWE WAS NEVER SENT A BILL NEVER HAD SERVICES WITH - .... ALSO - - COLLECTION FROM - HOSPITAL NO KNOWLEDGE OF DEBT NO BILL HAVE N'T USED SERVICES FROM - IN THE PAST 15 YEARS ON - WITH HELP FROM - ...... |
Convergent Resources, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine April 5, 2017 - convergent outsourcing, inc., is trying to collect a debt that is not mine. they say I owe - but I do not owe any money to -. same scam happened to me 2 years ago and I accidently sent - to a different company that said I owed - money. spoke to - 2 years ago and they confirmed that I did not owe them any money.... |
Credit Bureau of Napa Debt collection cont'd attempts collect debt not owed debt is not mine April 5, 2017 - Case number : - Related Case Number : - Chase receivables has been notified of the fraudulent activity for which they have a collection. The agent stated that the merchant was notified and that there was no information needed from me as I am not liable for the fraudulent use of my account. Chase Receivables has not submitted for removal of adverse and incorrect information on my credit report.... |
Convergent Resources, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine April 5, 2017 - my name is the - my biological father he is the same name sake except he is - and he has used my social security number and an old license to get a - Cell phone or something I am not sure for years I have been trying to get this off my record Convergent outsourcing INC they have not only lied about the debt but they have changed the name of their company and everytime they change companies or buy it from another person they add a new date as when it was closed reguardless I have a - cell phone myself and I have had the same cell phone number for at the least 10 years it was opened ... |
Aargon Agency, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine April 5, 2017 - I am being harassed to pay a debt that is not mine... |
Southern Management Systems Inc. Debt collection cont'd attempts collect debt not owed debt is not mine April 5, 2017 - This debt is reporting falsely to my credit reports. After several requests for validation, it continues to be reported without being validated.... |
CCS Financial Services, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine April 5, 2017 - I have not ever received any communication from this collection company. It just was placed on my credit report. I have no idea who they are. I have never had any dealings with them at all. I do now owe this debt.... |
SquareTwo Financial Corporation Debt collection cont'd attempts collect debt not owed debt is not mine April 4, 2017 - I think this is my wife 's loan. She did not tell me about this loan. She had loss her business back in 2012 and we then had limited income. I was then the sole income earner. She was later sued from another company for >= $1,000,000. We had to get an attorney, which cost is thousands of dollars and this dragged on for over two years. She was not able to win and we had to come to a settlement with the other company.... |
Gulf Coast Collection Bureau, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine April 4, 2017 - I am in receipt of my credit report dated in -/-/2017. Since obtaining my credit profile I came across this account that does not belong to me. I sent GULF COAST COLLECTION BUREAU certified letters and have not received a response from them regarding inaccurate marks on my credit report. I am for certain that I do not owe your company any money. For starters, I have never done business with you. In fact, I had never heard of your company until having received my credit profile. What I find strange is your attempt to settle the debt with me when I do not owe you any money in the first place! ... |
The CMI Group, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine April 4, 2017 - Received 2 letters stating a debt to - that does n't exist. - confirmed this ( we are on autopay ) and said they have their own debt collection department and do not use an outside agency.... |
Medical Data Systems, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine April 4, 2017 - I do not believe this debt is mine. I did not receive a bill or phone call from the original company nor have I received a bill or phone call from the collection agency. I have not moved nor have I changed my phone number.... |
Mariner Finance, LLC Debt collection cont'd attempts collect debt not owed debt is not mine April 3, 2017 - I am requesting the removal of this debt collection. I have never done business with this company. I take my credit very serious. I have asked for information to be proved for me for account. I have n't receive anything. I do n't think it fair they will rather report inaccurate information and not verify the information.... |
Convergent Resources, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine April 3, 2017 - - has turned me over to a debt collector ( Convergent ) for equipment charges from when we lived in -. We moved from - to - at the end of -, -/-/- and have not heard anything from them until we got a letter from Convergent on - -, -/-/-. Our mail was forwarded for a year after moving and we had been on paperless billing and auto bank withdrawal for our monthly charges. We never received a bill in the mail and never got any emails from - after moving. After 2 weeks of trying to resolve this with -, they say we owe $130.00 for equipment that they say we d... |
Convergent Resources, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine April 3, 2017 - Attempting to collect on a debt that is not only past the statue of limitations, but its also a debt that I do n't owe. They are continuously calling and harassing me.... |
A.R.M. Solutions, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine April 3, 2017 - I paid $20.00 as a donation to a veterans fund to receive a 3 month subscription of - - -. They failed to deliver the newspaper for the allotted time period and tried to charge me for additional funds even after they failed to send me my subscription. I received a notice From A.R.M Solutions ( dept collector ) requesting $31.00 on -/-/2017. I paid them $10.00 dollars as a compromise to make the debt go away despite not owing any debt. I am worried that their mistake will now place a negative record on my credit and I want A.R.M and - - to ensure a negative report on my... |
Stellar Recovery Inc. Debt collection cont'd attempts collect debt not owed debt is not mine April 3, 2017 - Account # - I called on -/-/- and spoke with - -, I informed him that I had send multiple request to validate this debt as I did not recall it. He reviewed the information that they had on file and noted that the service address was an address that I have never lived at. He closed the account as fraudulent and let me know that the information would be updated with all three credit bureaus immediately. I called them this morning -/-/2017 to get a status update as the credit bureaus have not received anything stating that the account needs to be deleted. I was told by the agent... |
Express Recovery Services, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine March 31, 2017 - Express Recovery Services has received numerous validation debt letters over the years and request to verify 100 % proof and 100 % accuracy of a debt I have no knowledge of. They have sent printed screenshots of an account a few years ago which violates the FDCPA and I immediately sent another letter requesting 100 % verifiable proof 100 % accuracy of a written contract, signed documents to verify the debt and all my letters have been ignored by ERS. I sent them a cease and desist letter two years ago from calling me. Yet, I received a call at my mobile number from an unauthorized person from ... |
HCFS Health Care Financial Services, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine March 30, 2017 - Never received any information or documents stating that i owe the debt.They did not contact me by phone at all. I checked my credit report and i was confused about this item that was reporting on my report. This is a violation of my rights, and i will take to them to court if i have to. I am all ready talking to a lawyer and if they dont reply we are going to move forward, because they have no proof that they tried to reach me by phone because they dont have my number. Because their is no way i owe a doctor bill because i have always had insurance when going to the Doctor so i know i never ha... |
Titan Receivables, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine March 28, 2017 - I continue to get collections letters from a Titans Receivables advising that I owe money from a bail. I have never bailed out anyone and I do not know anyone by the name of -. The bill is also spelling my name incorrect. This may be identity theft but I am not sure since I have not lost my ID in years. This is not my bill. The first bill stated a little over - dollars, now I have bills stating $3500.00 and $4000.00 as if this is collecting interest on my credit report.... |
ProCollect, Inc Debt collection cont'd attempts collect debt not owed debt is not mine March 28, 2017 - After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in -/-/2015 Account # -. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my curr... |
Medical Data Systems, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine March 28, 2017 - After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in -/-/- Account # - and -/-/- Account # -. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not giv... |
Aargon Agency, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine March 27, 2017 - On -/-/2017, received a letter from - stating it was representing Aargon Agency Inc in the collection of $190.00 owed to -. Business has never been conducted with any of the named entities.... |
Enova International, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine March 27, 2017 - A man named - from a company called - has called me to report a delinquent account on behalf of Cash Net USA as an attempt to collect an alleged debt. I 've never applied for a payday loan, so I called Cash Net USA and they have no record of me or an account in my name. I attempted to call - back and continued to get voicemail. He later called me back from a different number in a different city than the previous call. I 'm sending a DN to the company. I highly suspect this is a fraudulent company. The original number he called from was - and then -.... |
Medical Data Systems, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine March 24, 2017 - I have never received any letter from Medical Data Systems Inc stating that I have a medical debt. They have never called me. They have never emailed me. My doctor 's office has never called me regarding a bill not being paid. I absolutely DO NOT have a contract with Medical Data Systems Inc. I have asked for verification of contract and I have not received any response at all. I am disputing this debt to the fullest extent of the law. They have also added it in my credit report and are causing all - of my credit reports to go down significantly preventing me having a fair credit.... |
Debt Recovery Solutions, LLC Debt collection cont'd attempts collect debt not owed debt is not mine March 24, 2017 - Dear sir/madam today -/-/2017 as I checked my credit file on -, I noticed that a fraudulent collection was noted on my credit report. I do n't know this company or any of it affiliates.... |
HCFS Health Care Financial Services, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine March 23, 2017 - This debt was not mine, I had it removed from - credit reports while it was under the name of a different collections agency. Now, I am getting harassed by a new company called - regarding this previously deleted account. I feel very uneasy about this issue. I was yelled at over the phone, and was told that I am basically a bad person for not paying my " debt '' by the collector. I do not deserve to be treated this way, especially for a debt that I had been cleared of already.... |
Midwest Recovery Systems Debt collection cont'd attempts collect debt not owed debt is not mine March 23, 2017 - I am in receipt of my credit report dated -/-/2017 attempting to collect a debt from me. I am for certain that I do not owe your company any money. I have never done business with you. In fact, i had never heard of your company until having received my credit report. What I find strange is your attempt to collect the debt with me when I do n't owe you any money in the first place! Please see this notice as me disputing this alleged debt with your company as well as requesting debt validation. Send me legal supporting documents bearing that I 've done some type of business with you, hence owi... |
Credit Services of Oregon, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine March 23, 2017 - This is a matter of false claims and it does have to with other violations that have been committed here and everyone also involved in this matter.as documented evidence proves which I am more then happy to sit down to discuss this with an agent like I have with the OIG because since there is fraud alleged here and a lot of retaliation has occurred here it would be best for me to meet with and sit down with a federal so the agent can see for them self to what is going on here and what I have been through to date.... |
ProCollect, Inc Debt collection cont'd attempts collect debt not owed debt is not mine March 22, 2017 - Procollect.Inc contacted me two years ago to collect the debt that I did not owe. After receiving the evidence of the debt I found that the debt is owed to other person and I let Procollect to know that, but they kept trying to collect it from me. Finally it was disputed in - 2016 by the credit bureau, -, after I provided evidences to them. I got a letter from Procollect again about the same debt they tried to collect from me until last year, which I did not owe. I would like to remove this debt from my credit report and hope this will not happen again.... |
ProCollect, Inc Debt collection cont'd attempts collect debt not owed debt is not mine March 22, 2017 - The debt for - was deleted off - from Procollect. I have no knowledge of this medical bill. It needs to be deleted from all - credit bureaus immediately.... |
Southwest Recovery Services, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine March 22, 2017 - Southwest Recovery started calling my cell phone in approximately - 2012. The first message said, " We have your social security number on our desk, it will be turned over to our attorney unless you call back before - today! '' I called and they said the debt was for another person, it was n't my debt. Further, I found it was my husband 's ex-wife 's attorney bill. Her name is on the account. I received more calls & would select the option for " do not call, I am not the correct person. '' I even got a call after midnight. I have a screenshot of the phone call.... |
Debt Recovery Solutions, LLC Debt collection cont'd attempts collect debt not owed debt is not mine March 22, 2017 - Upon reviewing my - and - Credit reports, there are - - accounts that have been placed Debt Recovery Solutions for collection. Both of these accounts have an open date of - -, 2014, - with a balance of $1300.00 and the other with a reporting balance of $780.00. These accounts I am unaware of and they do not belong to me. Im also uncertain of how - extremely high balanced accounts can be opened on the same day? I never signed or authorized any services from -.... |
Credit Bureau of Bessemer, Inc Debt collection cont'd attempts collect debt not owed debt is not mine March 22, 2017 - I received communication from Credit Bureau of Bessemer demanding payment for a debt that is not mines.... |
I.C. System, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine March 22, 2017 - Collector says I owe money for additional plumbing services. I paid the plumber in full and on time ( have receipts ). I immediately asked collector to validate the debt and to communicate only in writing. I have never paid a bill late in my life. Despite my poor finances, I offered collector $100.00 to make the issue go away. This seems to have emboldened them. Collector reported the fake amount to credit bureaus, plunging my FICO score. If my future employer orders a pre-hire credit report, I may not get the job. I moved out of state ( to save money ) and filing legal action there would be... |