Merchants' Credit Guide Company

2017-03-14

Palos Park, IL

Improper contact or sharing of info

Debt collection: Medical

Contacted me after I asked not to
Company Response: Company disputes the facts presented in the complaint Closed with non-monetary relief

Disputed: No Timely Response

2017-03-06

And, SC

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Disputed: No Timely Response

2017-03-01

Chicago, IL

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Complaint: my name is XXXX : the medical bill was to be paid by insurance but it was never paid. Now Merchants Credit Guide send it to my credit report as unpaid, which has been {$56.00} ; which i paid it directly to the hospital because i want it to be off my credit report, but the collection company still keeps on putting as unpaid and in my credit report. I may be contacted at XXXX or XXXX
Company Response: Company disputes the facts presented in the complaint Closed with non-monetary relief

Disputed: No Timely Response

2017-02-28

Hinsdale, IL

Disclosure verification of debt

Debt collection: Medical

Right to dispute notice not received
Complaint: XXXX did not submit my claim in a timely fashion to XXXX XXXX XXXX XXXX ... .they later sold my account sending ALL OF MY MEDICAL INFORMATION ... everything I was treated for WHICH IS CLEARLY A VIOLATION OF HIPAA LAWS WHICH clearly states that my individual and identifiable health information should be private UNLESS I GIVE PERMISSION to release ... I DID NOT GIVE PERMISSION ... AND THERE IS NO SIGNED CONSENT TO RELEASE MY INFORMATION
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Disputed: No Timely Response

2017-02-27

Hinsdale, IL

Disclosure verification of debt

Debt collection: Medical

Not given enough info to verify debt
Complaint: I have no idea what this is for. Debt has not been verified. no contract or signature provided.
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Disputed: Yes Timely Response

2017-02-12

Wonder Lake, IL

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: Checked my credit report, around XXXX XXXX, 2016, and noticed Merchants Credit Guide reporting a negative collection account. I immediately disputed it with all XXXX major credit bureaus and also mailed Merchants Credit Guide two letters to either verify or delete this account from my credit report. I still have not received any response to my second letter which I sent by USPS registered mail with return receipt and will be attaching all documents that I sent them and the proof of delivery.
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Disputed: No Timely Response

2017-02-08

Fort Worth, TX

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: They are trying to collect on a debt illegally. They have been reporting this debt for XXXX and a half years but according to the State of Texas, they have n't been bonded in the State of Texas since XXXX! I have repeatedly disputed this account and requested verification but they keep verifying it. Latest verification was XXXX XXXX, XXXX
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Disputed: Yes Timely Response

2017-01-25

Chicago, IL

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Disputed: No Timely Response

2017-01-23

Chicago, IL

Disclosure verification of debt

Debt collection: Medical

Not given enough info to verify debt
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Disputed: No Timely Response

2017-01-18

Bolingbrook, IL

Improper contact or sharing of info

Debt collection: Medical

Talked to a third party about my debt
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Disputed: No Timely Response

2017-01-08

Quincy, FL

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: With regards to account # XXXX, I observed that this company had been reporting fraudulent information to the credit bureau and was listed on my credit profile. This false information plummeted my credit score and I told them three times- this account does n't belong to me. I have even asked them to validate the debt to which they have refused to comply. I further asked for as copy of the contract that contractually obligates me to pay them a debt- I do n't owe. I know I have rights as a consumer according to the FCRA and the FDCPA to which they have already violated three times by reporting. This information can be litigated as a civil matter. However, I just want them to delete these account due to it being reported in error.
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Disputed: Yes Timely Response

2017-01-05

San Jose, CA

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Disputed: No Timely Response

2016-12-28

Oswego, IL

Disclosure verification of debt

Debt collection: Medical

Not given enough info to verify debt
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Disputed: No Timely Response

2016-12-20

Homer Glen, IL

Disclosure verification of debt

Debt collection: Medical

Not given enough info to verify debt
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Disputed: No Timely Response

2016-11-29

Lockport, IL

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company Closed with explanation

Disputed: No Timely Response

2016-11-11

Chicago, IL

Disclosure verification of debt

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

Not given enough info to verify debt
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Disputed: No Timely Response

2016-11-11

Chicago, IL

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Disputed: Yes Timely Response

2016-11-06

Ehrhardt, SC

Cont'd attempts collect debt not owed

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

Debt resulted from identity theft
Complaint: I sent Merchants Credit a debt validation letter and they have yet to respond. Needless to say this is an invalid debt and does not below to me. I will seek legal ground if I have to because not only have they violated the FCDPA by not notifying me and giving me 30 days to respond to this debt initially. l. I sent Merchants Credit a debt validation letter XXXX XXXX, 2016 and it was delivered and signed for. See attached. And I did not receive a response with the items that I asked for. This is also the XXXX violation of the FDCPA and FCRA. The fact that it is still reporting on my credit report is another FDCPA violation.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-10-17

Chicago, IL

False statements or representation

Debt collection: I do not know

Attempted to collect wrong amount
Complaint: Merchants Credit Guide XXXX XXXX XXXX XXXX XXXX, illinoi XXXX XXXX This is a multiple offense of a company that has issued collection on my credit report. Each report was found unsubstantiated by all Credit Reporting Agencies. I placed a note on my record after each company investigated to refer to their own investigations before reporting the above and fraudulently adding same to my credit profile. They never produced a bill and can not prove the charge. I wish to report them and THE CRA 's for being negligent. I do n't know how to keep this from recurring.
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Disputed: No Timely Response

2016-10-14

Chicago, IL

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Complaint: I received XXXX services at a hospital in XX/XX/XXXX. Around XX/XX/XXXX, I discovered a collection account on my credit report from XXXX. I immediately contacted them, and we uncovered that the bill for services had been incorrectly sent to the hospital 's address, rather than my own. They reissued the bill for {$51.00} correctly and stated that the account would be withdrawn from collections and my credit report fixed. I then promptly paid the bill. Over the next several months through XX/XX/XXXX I repeatedly inquired from both creditor and collection agency why the collection account has not been closed and why my credit report had not been collected. Both parties assured me it was being would be taken care of, but over the course of six months it remained open and the untrue damaging information remained on my credit report. As I write this on XX/XX/XXXX, the open collections account is still on my credit report.
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company Closed with explanation

Disputed: No Timely Response

2016-10-12

Wheaton, IL

Disclosure verification of debt

Debt collection: Medical

Not given enough info to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-09-21

Chicago, IL

Improper contact or sharing of info

Debt collection: Medical

Talked to a third party about my debt
Complaint: I was injured at work I have a XXXX Representative my case number is XXXX My case worker is XXXX XXXX the claims department number XXXX. I contacted this collection agency to let them know that I provided all my insurance at the time of services they refuse to take it I 'm insured by XXXX XXXX XXXX XXXX. I 'm constantly getting these harassing letters and no proof of the debt. I contacted them and they sent me a letter stating that if I do n't get the proof in 30 days from XX/XX/2016 Everything will cease and be removed it 's XX/XX/2016 no correspondence yet and this still remains on my credit bureaus XXXX of my credit bureaus
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Disputed: No Timely Response

2016-09-19

Euclid, OH

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Complaint: I requested debt validation over 30 days ago with no response from Mechants Credit Guide. They have reported this item to my credit report and I believe its not valid
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-23

Ashland, NJ

Disclosure verification of debt

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

Not given enough info to verify debt
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Disputed: No Timely Response

2016-08-17

Tulsa, OK

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt resulted from identity theft
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Disputed: No Timely Response