Debt collection -- Attempts to collect debt not owed -- Complaint #6453748
Complaint Overview
Complaint ID: 6453748
Company: Retail Merchants Associates
Product: Debt collection
Sub-Product: Medical debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Texas
ZIP Code: 76001
Date Received: 2023-01-18T12:00:00-05:00
Date Sent to Company: 2023-01-18T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have disputed previously disputed with this company regarding the 2 collections they have for me. The company was unable to validate this debt. They indicated that they would reach out to the original creditor an obtain a copy of the itemized bills. They were informed that an itemized bill is not an acceptable form of validation. Both accounts were removed. The accounts have been placed on my credit reports yet again only this time they changed the account number and the amount. I disputed it with the credit bureaus They sent a letter to me indicating that they would once again attempt to validate with the original creditor however they told the credit bureau that it had been validated which is not true. They told me one thing but told the credit bureau another. To date, they have not provided any documentation to me that shows this debt is validate. They are NOT my accounts. This is the reason that the debts can not be validated. Please remove from all 3 credit bureaus ASAP. Changing the amounts and account numbers to place this back on my credit report is a violation. Account number XXXX and XXXX.
Frequently Asked Questions
What is Complaint #6453748 about?
Complaint #6453748 was filed against Retail Merchants Associates regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2023-01-18T12:00:00-05:00.
How did Retail Merchants Associates respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Retail Merchants Associates?
Yes, visit the Retail Merchants Associates company profile at readthecomplaint.com/company/retail-merchants-associates to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.