All State Credit Bureau, Inc.

2018-06-30

Orion Twp, MI

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: Paid debt in XX/XX/XXXX to companies alleged debt. No reporting to the credit bureaus had occured at that time and the old account had a XXXX balance. Comoany has now reported debt on XX/XX/XXXX as a new unpaid debt do the same account which is untrue.
Company Response: Closed with explanation

Timely Response

2018-05-20

Black Walnut, MO

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Old information reappears or never goes away
Company Response: Closed with explanation

Timely Response

2018-05-06

MI

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: All State Credit Bureau , Inc. was paid {$1500.00} on # XXXX and was settled. They reflected a XXXX balance on the receipt as well as reporting to the three major credit reporting agencies however they are acting as a lender and not a debt collector refusing to close out the account.
Company Response: Closed with explanation

Timely Response

2018-04-27

Atl, GA

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2018-04-16

Harsens Is, MI

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: I received an inquiry on my credit report on XX/XX/2018. I am not applying for anything. I called the Allstate Credit bureau which is listed and they indicated I should call a XXXX XXXX I did not authorize this inquiry and it should be illegal to pull someones credit. Allstate Credit bureau also not not have a valid license to collect in the state of Michigan. I have no clue what is going on. My credit was pulled without approval by an unlicensed or bonded company in the state of Michigan. Their inquiry or attempts to collect on anything that has not been verified or validated while they are not licensed must be cease and deleted from my reports. I am not in any way acknowledging anything because I dont know whats going on but they are not licensed if bonded. Michigan requires the license as well. If the need is present to go to my attorney general and XXXX I will Thai is wrong Im so many levels.
Company Response: Closed with explanation

Timely Response

2018-04-16

Harsens Is, MI

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Investigation took more than 30 days
Complaint: This complaint is based upon not receiving a response from Allstate Credit Bureau after sending a letter requesting information from them. On XX/XX/XXXX, I mailed a letter asking for validation of the debt in which they are advising that I owe an amount of {$200.00} on account number XXXX. As of today XX/XX/XXXX, Allstate Credit Bureau has failed to respond to my request of this information. I am providing a copy of the letter that was mailed to them, in addition to the certified mail receipt and proof of delivery. At this time, I am requesting immediate removal of this account from the credit bureaus of which this information is being reported. I look forward to your time and attention to this important matter.
Company Response: Closed with explanation

Timely Response

2018-04-15

Grosse Ile, MI

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: OnXX/XX/XXXX I received my credit report from XXXX. It listed a collection account by the name of Allstate Credit Bureau say i owe {$2300.00}. I sent out a letter on XX/XX/XXXX to Allstate Credit Bureau asking them to verify a couple things which I am attaching you a copy of my letter I sent them. AllState Credit Bureau responded with a letter saying I owe them {$2300.00} with a attachment from XXXX XXXX XXXX XXXX. I never heard of them and they claim I owe damages to a apartment. I looked at the paperwork and I never lived at the address that they are claiming. this is what I wrote in my letter to Allstate Credit bureau : Now, I am also exercising my right under the FDCPA to dispute the alleged account and demand validation from you. Ill break it down very easy for you. But know this, should you fail to provide every single thing I request form you, and dont worry, the list will be short, sweet and to the point, you will be required to cease all collection activity immediately. Notify me in writing that you indeed are ceasing and deleting all information you have furnished to any and every one of my credit reports from every single credit repository to which youve submitted this unverified and un-validated information. This is request of PROOF OF CONTRACT to substantiate your claim. Therefore, youll need to provide me with a CERTIFIED copy of an authenticated original contract with my signature, Specially Naming ( ALL STATE CREDIT BUREAU ) as an entity entitled to enforce a commercial claim You do not conduct commerce ) against me. *Certified shall be done through the presence of a notary public, who authenticates and duly swears the copy made is in fact a copy of the original paper contract in question ( meaning the original contract from the original creditor would need be provide to the notary, and the notary would need to make the copy themselves ). You will also need to provide the following : 1. Provide a CERTIFIED copy of Authorization signed by me, naming your company as having my consent to furnish, update, verify, inquiries, add comments and/or dispute codes of any access to my personal credit report/file. 2. Provide a Certified copy of my full chain of assignment starting with the original creditor to any and every 3rd party collection company to present. 3. Provide a full accounting. Every charge, every payment, every fee, interest, credit, and any other amount attributed to the alleged account, and the date on which each event occurred, as well as a description of each event or purchase causing an amount to allegedly be owed. Your failure to respond and provide strict proof of contracts and all the items noted above, presented to me in certified format, sworn under Penalty and Perjury and Authenticated by a notary, will constitute your tactic agreement that you are not entitled to enforce a claim against me. In the event you continue your collection efforts against me without providing proof of contract, I may do one or more of the following : 1. File a complaint with the Attorney General 2. File a complaint with the XXXX XXXX XXXX 3. File a complaint with the Consumer Financial Protection Bureau 4. File a complaint with the Federal Trade Commission 5. File a Police Report against your company for harassment, invasion or privacy and attempting to extort money. 6. File a Law Suit against you for harassment, fraud, extortion, and invasion or privacy. You have 15 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations. Allstate Credit report never gave me what I asked for and is in violation under the FDCPA. Also I want to see this sign contract of these apartment lease that I signed with this company, because I never lived there. I want Allstate Credit Bureau to remove this collection off of my credit reports immediately or face consequences
Company Response: Closed with explanation

Timely Response

2018-03-07

Dallas, GA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: I have tried disputing this collection debt account. I have requested full verification of this account. I have not had any success with my attempts to get this debt account validated by the credit reporting agency or the original creditor.
Company Response: Closed with explanation

Timely Response

2018-03-02

Bentley, MI

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: I rented a Townhouse from XXXX XXXX XXXX ( XXXX XXXX, XXXX, XXXX Mi ( XXXX ) XXXX ) from XX/XX/XXXX to XX/XX/XXXX. At the beginning of XX/XX/XXXX I requested a 9 month lease due to I was going to purchase home. I ended getting a house and gave them a notice and I was Leaving XX/XX/XXXX 3 months early. There was a waiting list for the townhouse and I was told by Manager XXXX XXXX the Townhouse had already been rented an they needed to know when I was moving out. I payed XXXX 's rent. Someone moved in on XX/XX/XXXX so 3 Days without a renter. They first send me a statement for XXXX which including the 3 remaining months on the Lease. I replied and told them I knew the place had been rented so they can charge me for the 3 months rent. They agreed and stated they would send me a know statement, I requested they email any future statements to me because I did not want them to have my new Address. At the time I moved out the Manager had left and so I did not know who was running the place, I have all the letters and statements. I never heard or was emailed any 2nd Statement. I figured if they removed the 3 months rent and they still had my {$200.00} Security Deposit which would have covered all the Misc Item they had on there they just forgot about it. The collection agency ( XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX ( XXXX ) XXXX ) contacts me beginning ofXX/XX/XXXX stating I owe Clairemont {$1400.00}. I told them I never received any 2nd statement, come to find out they didn't email me a copy they sent to my old address where they knew I did not live. Finally get a copy of statement and XXXX has {$1200.00} re-rental Charge and re-rental fee above plus all the Misc items from the first statement. The collection company told me I could pay it or dispute it, I disputed it and she said " they want this to go to court anyways '' I was happy to have a judge hear this they just made up the {$1200.00} in fees. The lease states they can charge {$300.00} for breaking the lease. Well they never took me to court BUT I notice my Credit score dropped, the collection company put is on my Credit report. No one can tell how they can do that without a judgment against me. Did not know what I could do so I just took the hit on my credit. Last month I get a letter from an Attorney ( XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX ) stating she has retained to collect the debt and added {$180.00} in interest so now I owe {$1600.00} and put it back on my Credit with the new amount which caused my credit to drop again. They are abusing the system I don't owe any back rent, they are out no money the place was rented right away and any maintenance ( Painting, Carpet Cleaning ) had to be done anyway I lived there for XXXX. There has to be law against a company just making up absurd fees and the Collection company does not ask for prove and screws someone credit up. The Maintenance person and me had some disagreements the last year I was there and this is a Vendetta from that, Why he had access to my leasing file I will never know. I was more then ready to get this in front of a judge but they never took me to court. In the last month I send a Cease and Desist letter to the Lawyer and Collection company. I am disputing the debt on XXXX not sure where that was go. I also paid a {$54.00} premium a month for wanting a 9 month lease, A {$100.00} non-refundable deposit plus {$25.00} above and beyond my rent for my Dog so I have giving place enough my money. Can you Please Help me.
Company Response: Closed with explanation

Timely Response

2018-01-14

Macomb, MI

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Company Response: Closed with explanation

Timely Response

2017-12-06

Shelby Township, MI

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Company Response: Closed with explanation

Timely Response

2017-10-27

MI

Credit monitoring or identity theft protection services

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Billing dispute for services
Complaint: I have written XXXX XXXX XXXX requesting the correct balance of a bill that I was not contacted saying that I owe before sending information to a collection agency. XXXX XXXX XXXX was asked several times for information a letter of deletion and they refused to respond. I also wrote the XXXX Credit Bureau requesting the same and no response. This is what happen regarding the questionable XXXX that they claimed I owed. As you can see that this bank do n't notify their customers of any bill allowing a customer the opportunity to pay the amount in question. This was so difficult to do any banking and when I realize this was the wrong bank for me I stopped banking there. Although I had XXXX and was unable to go inside bank because of the XXXX. This bank never sent a letter or called me requesting the questionable amount. I would have paid the money to avoid putting something on my credit. XXXX XXXX
Company Response: Closed with explanation

Timely Response

2017-10-24

Orland Park, IL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2017-10-22

Orion Twp, MI

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Old information reappears or never goes away
Complaint: We paid this account XXXX weeks ago. It has cleared and posted to our bank and everything. The company XXXX instructed us to dispute the account once payment was cleared as paid and they would remove it from all reporting agencies. We did this on XXXX recorded lines ( ours and the companies XXXX. We have done so and the company responded that a balance is still owed and the account is still reporting. At this point we are not disputing anything we would just like it removed as promised since all funds have been cleared and paid in full.
Company Response: Closed with explanation

Timely Response

2017-10-11

Orion Twp, MI

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Complaint: All state credit bureau made contact on two phone lines on Wednesday XXXX XXXX 2017, after we have requested through various sources for them not to make any contact. Though one call was not accepted due to our agreement, a call on our second line was recieved and XXXX agreed to settle the balance in full though a one time payment in exchage for removal of all references to the credit reporting agencies. The business said it would not formally do a pay for removal but that one the debt was paid, they instructed us to dispute the information and they would then allow the debt to be removed. this agreement was given on a recorded line by both myself and the business and multiple representatives have confirmed. we also have received this agreement with an expiration date of XXXX XXXX in writting from the business. In good faith i will make arrangments for the debt to be paid as we agreed and request that the business remove all references of the above mentioned account from all credit reporting agencies within 30 days and then resume our no contact agreement and make no further contact or attempt to collect on debts allegedly owed even though no contract exsists between the pittmans and all state credit bureau inc. While All-State Credit bureau inc is already in violation on FDCP law XXXX. Communication in connection with debt collection because they have attempted to make contacted after being asked not to in writting, we will not at this time pursue legal action as long as all parts of our agreement both written and verbal on recorded line are honored. if not we will invoke our right to do so.
Company Response: Closed with explanation

Timely Response

2017-09-28

Orion Twp, MI

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I received correspondence from XXXX XXXX XXXX in an attempt to collect multiple debts. XXXX XXXX XXXX has themselves listed as the original creditor with no account information listed. Please be advised this is not a refusal to pay a debt, but a notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is required. I have no knowledge of this account or any knowledge of any contract with this institution. I request that you please verify the following information to assist identifying whether this debt is valid : 1. Full original account number 2. Date original account opened 3. Any and all written agreement ( s ) between myself and the diversified consultants stating I agreed to pay alleged debt 3. Consumer address at which original account was opened 4. Date of first delinquency 5. Itemized calculation of alleged debt Original signed contract between myself and this creditor, not a copy. If XXXX XXXX XXXX is unable to provide all of the above identifying account information I will have no recourse but to presume the debt invalid and/or fraudulent and request account deletion from all credit reporting agencies without further discussion of payment in full or partial settlement. This is my attempt to verify the validity of this alleged debt and I appreciate your transparency and cooperation. Please conduct all communication through written correspondence to the following email address ( s ) only : Name : XXXX XXXX Email Address : XXXX Other : XXXX XXXX XXXX XXXX XXXX XXXX NY , XXXX. Absolutely no phone calls. If correspondence from XXXX XXXX XXXX in any manner other than permitted I will cease all communication ( invoking my legal right to request XXXX XXXX XXXX to cease communication ) with the presumption that the debt is invalid and that I own zero responsibility ( in part or whole ) for the repayment of said debt. Thank you for your assistance.
Company Response: Closed with explanation

Timely Response

2017-08-12

Warren, MI

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2017-07-18

Canton, MI

Credit monitoring or identity theft protection services

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Didn't receive services that were advertised
Company Response: Closed with explanation

Timely Response

2017-06-21

Harsens Is, MI

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: On XXXX XXXX, 2017, I contacted XXXX XXXX XXXX through email to get clarification on why I did not receive my security deposit or any correspondents within 30 days of vacating the unit. <P/> XXXX XXXX XXXX responded on XXXX XXXX, 2017, that they kept my security deposit, along with charging me an additional XXXX dollars for the alleged damage to the unit. I wrote a letter disputing those charges the same day. Approximately, 1.5 weeks later, they send me a letter with those same charges I disputed. <P/> I called the corporate office of XXXX XXXX XXXX to get clarification on the charges. A representative send me over to the collections department, who indicated my file was with a collection agency by the name of All State Bureau. I asked the representative, how are they collecting on a debt that was disputed, without a judgment? She told me to contact the collection agency to dispute the charges. <P/> It appears that XXXX XXXX XXXX violated Michigan law. According to Act 348 of 1972 554.613 Action for damages ; retention of security deposit ; waiver. Sec. 13. ( 1 ) Within 45 days after termination of the occupancy and not thereafter the landlord may commence an action in a court of competent jurisdiction for a money judgment for damages which he has claimed or in lieu thereof return the balance of the security deposit held by him to the tenant or any amount mutually agreed upon in writing by the parties. A landlord shall not be entitled to retain any portion of a security deposit for damages claimed unless he has first obtained a money judgment for the disputed amount or filed with the court satisfactory proof of an inability to obtain service on the tenant. <P/> This process was not followed.
Company Response: Closed with explanation

Timely Response

2017-04-04

MI

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Complaint: This is a complaint related to other complaints I have already submitted. Case numbers of the related cases are XXXX and XXXX. As of today I have still not received any verification of the debt and am still getting collections attempts via email. Attached is a copy of the most recent communication.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-03

MI

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not disclosed as an attempt to collect
Complaint: My Fiance and I moved out of a bedbug infested apartment complex in XX/XX/2016. The landlord attempted to keep our {$200.00} security deposit, and charge an additional {$310.00}, because the carpet was left in poor condition. We have actively been disputing this, citing Michigan guidelines for dealing with bedbugs in multi-unit housing which clearly indicate the carpet should be replaced in most cases, and requires a special bedbug vacuum in order to prevent spreading infestation to new places. We feel this is a totally unreasonable expectation for a landlord to place on their tenants. In addition to this, my fiance 's name has been misspelled in every piece of communication we have received from both XXXX ( the apartment complex ) and All State Credit Bureau ( The debt collection agency ). We realized this when we received an updated list of damages with a security deposit refund check that was refunded " under dispute. '' However my fiance 's name was misspelled on both the updated list and the check. When we pointed this out to XXXX, XXXX, a XXXX representative, responded by saying this, " I have attached a copy of the security deposit refund form with the clerical errors corrected. ... Your account will be turned over to All State Credit Bureau for further collections on XX/XX/XXXX. They will be in contact with you after that point. '' So we recieved a new list of damages, with her name still spelled incorrectly, but differently this time, but no mention of a new check being issued. This seemed extremely suspicious to us, so we have not attempted to deposit the check and for all intents and purposes our security deposit is still being held. The reason for our complaint is this. We received a letter from All State Credit Bureau in mid-XX/XX/XXXX saying that we had 30 days to dispute the debt. We responded within 30 days on XX/XX/XXXX via certified mail which we were able to verify was signed for and delivered to their agency. As of today, XX/XX/XXXX, we have not retrieved any form of debt verification from All State Credit Bureau. Yet on XX/XX/XXXX we received an email attempting to collect the debt that has supposedly been transferred to All State Credit Bureau. As outlined in our dispute letter, we are not sure why so many entities are still attempting to collect this debt, or who has a rightful claim to it. If, as XXXX said, the debt has been transferred to All State Credit Bureau, we must assume that the collection attempt we received was approved by their firm.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-03

Orland Park, IL

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt resulted from identity theft
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-11

Detroit, MI

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Complaint: reporting an erroneous account to XXXX credit bureaus that have not been verified
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-25

Caro, MI

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-12-12

Oxford, MI

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response