Credit Systems International, Inc.

2017-07-05

Copper Canyon, TX

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

2017-07-04

Dallas, TX

Written notification about debt

Debt collection: Medical debt

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

Timely Response

2017-07-03

Lake Bridgeport, TX

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

2017-06-26

Hollywood, FL

Communication tactics

Debt collection: Medical debt

You told them to stop contacting you, but they keep trying
Company Response: Closed with explanation

Timely Response

2017-06-23

Blue Mound, TX

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-06-20

Okc, OK

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: The debt that this company is reporting is re-aged. According to the original creditor, the date the this debt first became delinquent is XXXX of XXXX. The collection agency has re-aged the debt on my credit report to show XXXX of XXXX as the first date of delinquency. This should have already fallen off of my report in XXXX of XXXX. I have informed the collection agency about my conversation with the original creditor and she told me that did n't matter. She received the debt in XXXX of XXXX and THAT is the date of delinquency according to her. This is a violation of the FCRA. Re-aging the account is illegal. A collection agency should be aware of this. I have disputed this with them and through the credit reporting agencies and they continue to refuse to remove this from my credit report. They are knowingly continuing to verify false information. Also, I paid this debt to the original creditor and they still refuse to even show it as paid.
Company Response: Closed with explanation

Timely Response

2017-05-31

Dallas, TX

Improper use of your report

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

Credit inquiries on your report that you don't recognize
Company Response: Closed with explanation

Timely Response

2017-05-19

Dallas, TX

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

2017-05-17

Mesquite, TX

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: I have sent several dispute letters as this is not my debt. I have always had insurance to provide to the hospital but this bill is not mines.
Company Response: Closed with explanation

Timely Response

2017-05-03

Atascocita, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: **This is not a duplicate Complaint** Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuan t to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX , XXXX , XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. <P/> CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor where in he/she ag reed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. <P/><P/> Please provide the name and address of the bonding agent fo r Credit Systems International , Inc. in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
Company Response: Closed with explanation

Timely Response

2017-04-27

San Antonio, TX

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-04-21

TX

Disclosure verification of debt

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

Not disclosed as an attempt to collect
Complaint: i have tried a number of times to request for debt validation and I have yet to see something that validates this is my debt
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-20

Grand Prairie, TX

Disclosure verification of debt

Debt collection: I do not know

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

Disputed: No Timely Response

2017-04-17

Hollywood, FL

Disclosure verification of debt

Debt collection: Medical

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

Disputed: No Timely Response

2017-04-08

Mabank, 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

2017-04-06

Dallas, 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

2017-04-05

Hollywood, FL

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2017-04-05

Bedford, TX

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Complaint: I disputed the debt from Credit Systems and it was deleted from my XXXX credit report in XX/XX/2016. I noticed that in XX/XX/XXXX this same inaccuracy was reporting on my XXXX report as well. Which should had been removed from my credit report back in XX/XX/XXXX. I disputed the debt on my XXXX report and provided the documentation proving it was removed from my XXXX report back in XX/XX/2016. However, instead of Credit Systems removing the inaccuracy from my report, they put it back on XXXX report and showed that the debt had been in collections for 14 months dropping my score by XXXX points.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-02

Euless, TX

Disclosure verification of debt

Debt collection: Medical

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

Disputed: No Timely Response

2017-03-31

Dallas, TX

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-20

Magnolia, TX

Cont'd attempts collect debt not owed

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

Debt resulted from identity theft
Complaint: I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-18

Val Verde, TX

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Complaint: This, supposedly, is a medical collection that was contracted out to a collection agency. I have no idea of who this company is or what debt they are attempting to collect on. This is a violation of my HIPAA Rights. Remove completely from my credit file at once.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-14

Cedar Hill, TX

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-14

Lewisville, TX

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Complaint: XXXX Accounts appeared on my report today from this company that I 've never seen reporting before and from the looks of it they are pretty old. I 've never received anything that could possibly validate this even belonging to me. XXXX {$32.00} & XXXX {$25.00} a piece.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-10

Dallas, TX

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Company Response: Closed with explanation

Disputed: Yes Timely Response