Credit Systems International, Inc.

2017-03-03

Asheville, NC

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Complaint: I have no idea what this is about. I sent a letter in XXXX and they did not respond to me.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-27

Boerne, TX

Disclosure verification of debt

Debt collection: Medical

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

Disputed: Yes Timely Response

2017-02-23

Grand Prairie, TX

Disclosure verification of debt

Debt collection: Medical

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

Disputed: No Timely Response

2017-02-16

Lewisville, TX

Incorrect information on credit report

Credit reporting:

Account status
Complaint: I intend to dispute this directly with the credit reporting company. They mailed me a collection notice dated XX/XX/2017 that contained the 30-day validation notice ( as required by law ) for a balance that I was unaware was allegedly due from a medical procedure done last year. I immediately picked up the phone and called the medical office for an explanation. It appears to be an insurance issue. I disputed the amount but went ahead and paid the collection agency to prevent the account from being furnished to the bureaus. My next step was to write them a certified letter requesting full validation of the debt ( regardless of it being paid ). I got an alert from XXXX saying that a negative collection item had been reported by Credit Systems International , Inc. on XX/XX/2017, which was still within the 30-day window. I am demanding that this trade line be removed from my credit report immediately. I am in the process of refinancing my home and am being damaged by this. My next course of action is to hire an attorney and to sue them under the provisions of the Fair Credit Reporting Act.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-12

Arlington, TX

Disclosure verification of debt

Debt collection: Medical

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

Disputed: No Timely Response

2017-02-11

La Vernia, TX

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt resulted from identity theft
Complaint: I was a victim of identity theft and noticed a collection from Credit Systems Intl I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Credit Systems Intl in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-09

Dallas, TX

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Complaint: On XX/XX/2016 I went to the doctor for a XXXX. The doctor XXXX. One of those XXXX caused a bill for {$93.00}. I paid the bill a week after receiving it through mail, on XX/XX/2016. I 'm attaching the check that I sent to the company and that was cashed by the company on XXXX. Surprisingly, since XX/XX/XXXX I 've been reported every single month past due, including XX/XX/XXXX, month which the bill was incurred!!!! I would like the trade line deleted and a confirmation letter from the company that such action has been taken and communicated to all XXXX credit reporting agencies. Thanks.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-02-08

Dallas, TX

Disclosure verification of debt

Debt collection: Medical

Not given enough info to verify debt
Complaint: They do not have an email option or portal that functions to provide information and get verification. Their website has a consumer compliant link that is broken. I am a professional that works with clients from XXXX - XXXX in various time zones and ca n't use XXXX calls as a form of communication. I have left messages and tried their form to notify multiple times that they need to email me. They do not and will not verify what these charges are for. They also ask for an account number field on their website form fill and they do not have that on the statement they sent me only a record number not an account number of XXXX.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-02-07

Mabank, TX

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Complaint: On or about XX/XX/2016 I sent a letter to creditor requesting information regarding the alleged debt ( originator, amount, authorization, etc. ) on XX/XX/2016 I received a letter from creditor stating they could not locate my account. I have since then contacted the credit bureaus requesting the same information with no results. I am attaching the letter I received from the debt collector.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-01-26

Mc Allen, 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

2017-01-14

Baltimore, MD

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt resulted from identity theft
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-10

Combine, 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

2017-01-01

TX

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Complaint: ( 1 ) debt was never owed creditor cleared this up with collection agency but was not removed from my report.collection agency put paid closed.actualy was never paid by me. ( 2 ) same as above
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-16

Fort Worth, TX

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt resulted from identity theft
Complaint: I was a victim of identity theft and noticed a collection from CREDIT SYSTEMS INTL I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against CREDIT SYSTEMS INTL in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-16

South Florida, FL

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I have no knowledge of this dept
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-12-14

Houston, TX

Disclosure verification of debt

Debt collection: Medical

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

Disputed: Yes Timely Response

2016-12-14

Houston, TX

Disclosure verification of debt

Debt collection: Medical

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

Disputed: Yes Timely Response

2016-12-14

OK

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I terminated trash service before I moved but unknown to me they kept billing for the service and then turned it over to a collection agency that has reported it the Equifax. Calling the agency was rather confusing. They wo n't take the {$92.00} because i say I do n't owe it and they wo n't remove the credit line item either.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-12-07

Barry University, FL

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

2016-12-06

Mc Allen, 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

2016-12-05

Barry University, FL

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

2016-12-01

Mc Allen, 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

2016-11-22

Fort Worth, TX

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt resulted from identity theft
Complaint: I was a victim of identity theft and noticed a collection from Credit Systems Intl I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Credit systems Intl in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-20

TX

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt resulted from identity theft
Complaint: I was a victim of identity theft and noticed a collection from CREDIT SYSTEMS INTL I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against CREDIT SYSTEMS INTL in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-17

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