Credit Systems International, Inc.

2016-05-27

Seattle, WA

Disclosure verification of debt

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

Right to dispute notice not received
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-16

Allen, TX

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-08

Dallas, TX

Improper contact or sharing of info

Debt collection: Medical

Talked to a third party about my debt
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-07

Fred, TX

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Complaint: I HAVE ATTEMPTED TO HAVE A COLLECTION ACCOUNT REMOVED FROM MY CREDIT.I CONTACTED ALL PARTIES INVOLVED TO DISPUTE THIS. XXXX REMOVED IT BUT THE OTHER XXXX DID NOT. THE ACCOUNT IS NOT MINE. I WAS WORKING XXXX, ALSO D.O.B. DOES NOT MATCH. THIS IS NEGATIVE ON MY CREDIT AND IS CREATING AN ISSUE.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-11

Fort Worth, TX

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was discharged in bankruptcy
Complaint: this debt was included in a chapter XXXX BK XXXX filed XXXX/XXXX/2016 this the collections company was already notified and continued collection practices are being made by the creditor. this accoutn should be removed from my credit report and all collections efforts should cease. There are XXXX accounts with this collection agency
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-11

Fort Worth, TX

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was discharged in bankruptcy
Complaint: debt was included in a bankruptcy Chapter XXXX case number XXXX, this was filed on XX/XX/2016. this should be removed. I disputed this account to the XXXX credit reporting agencies and the creditor and they did not remove the account from my credit report.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-10

Coppell, TX

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-04-09

Bedford, TX

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Complaint: XXXX XXXX XXXX, XXXX XXXX whose phone # is XXXX reported my name to the credit bureau for {$260.00} for failure to pay him. The child was covered under medicaid and they refused to bill medicaid for services rendered.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-17

Dickinson, TX

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: No Timely Response

2016-03-14

Magnolia, TX

Disclosure verification of debt

Debt collection: Medical

Not given enough info to verify debt
Complaint: There is a collection company that is reporting a bunch of medical debts that are unknown to me, I have disputed and requested validation and nothing has been received and this information is still on my credit file which is in error.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-03

Baltimore, MD

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt resulted from identity theft
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-02

Houston, TX

Cont'd attempts collect debt not owed

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

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-02

South Florida, FL

Disclosure verification of debt

Debt collection: Medical

Right to dispute notice not received
Complaint: Back on XXXX/XXXX/2015 we disputed a credit report entry from Credit Systems international. After the dispute with case numbers XXXX and XXXX, Credit Systems international agreed to delete the entry because " XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX does not show to be a good address for mail delivery. There were no telephone numbers on the file to attempt contact with XXXX XXXX. We attach our required verification of the debt. If XXXX XXXX disputes the validity of the charges, and if she will furnish our office what the dispute is, we will open an investigation. A request to delete the report from the Credit Reporting Agencies ( CRA ) has been requested and no further reports will be requested for a minimum of 60 days to allow XXXX XXXX sufficient time to review the itemized statement and/or notify us of any errors '' We then sent them a debt validation letter with specific information they need to send to me to validate the debt, not just say they have validated the debt. We uploaded into the CFPB system with the above claim # as well as mailed it certified mail # XXXX on XXXX XXXX, 2015 which they received on XXXX XXXX, 2015 @ XXXX. Not once they they respond and now again I find the charges on my credit report. I want these charges removed immediately until the information I requested is sent to me in accordance with XXXX laws. I will again attach the original letter I sent them to this claim
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-02

South Florida, FL

Disclosure verification of debt

Debt collection: Medical

Right to dispute notice not received
Complaint: Back on XXXX/XXXX/2015 we disputed a credit report entry from Credit Systems international. After the dispute with case numbers XXXX and XXXX, Credit Systems international agreed to delete the entry because " XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX does not show to be a good address for mail delivery. There were no telephone numbers on the file to attempt contact with XXXX XXXX. We attach our required verification of the debt. If XXXX XXXX disputes the validity of the charges, and if she will furnish our office what the dispute is, we will open an investigation. A request to delete the report from the Credit Reporting Agencies ( CRA ) has been requested and no further reports will be requested for a minimum of 60 days to allow XXXX XXXX sufficient time to review the itemized statement and/or notify us of any errors '' We then sent them a debt validation letter with specific information they need to send to me to validate the debt, not just say they have validated the debt. We uploaded into the CFPB system with the above claim # as well as mailed it certified mail # XXXX on XXXX XXXX, 2015 which they received on XXXX XXXX, 2015 @ XXXX. Not once they they respond and now again I find the charges on my credit report. I want these charges removed immediately until the information I requested is sent to me in accordance with HIPAA laws. I will again attach the original letter I sent them to this claim
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-17

Coppell, TX

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-14

Arlington, TX

Disclosure verification of debt

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

Right to dispute notice not received
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-11

Mabank, TX

Disclosure verification of debt

Debt collection: Medical

Not given enough info to verify debt
Complaint: Well I wrote a debt Validation and I di not receive a response according to the Fair Debt Collections Act and the fair credit reporting act. I ask them for a validation and if they did n't send the proper documents to contact the reporting agencies to remove it. I did not receive any response it has been over 30 days. I believe this is highly unfair and want something done about it.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-10

Mansfield, TX

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-22

Walnut Spgs, TX

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-19

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-16

Castle Hills, TX

Disclosure verification of debt

Debt collection: Medical

Right to dispute notice not received
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-10

Bedford, TX

False statements or representation

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

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-05

Fresno, TX

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

2015-10-22

Abilene, TX

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: Continuation of complaint XXXX that was n't further processed. CSI calls for unowed debts and does not abide by the do-not-call list for new owners of a phone number. Also, when the number is called back the CSI rep hangs up. Eight days later when called back a rep answered verbally and stopped talking -- unresponsive.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-18

Patterson, MD

Disclosure verification of debt

Debt collection: Medical

Right to dispute notice not received
Complaint: I pulled my credit report and noticed that Credit System was reporting on my credit report, I never received an early warning notice, I sent a notice to them letting them know that I never received an early warning notice and how can they place it on my credit report, no response, they just continue reporting on my credit report
Company Response: Closed with explanation

Disputed: No Timely Response