Debt collection -- Attempts to collect debt not owed -- Complaint #7162435

Complaint Overview

Complaint ID: 7162435

Company: Herbert P. Sears Co., INC.

Product: Debt collection

Sub-Product: Medical debt

Issue: Attempts to collect debt not owed

Sub-Issue: Debt is not yours

State: California

ZIP Code: 90630

Date Received: 2023-06-24T12:00:00-05:00

Date Sent to Company: 2023-06-24T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

On XX/XX/XXXXa collections account for XXXX XXXX showed up on my credit and I have been there but my insurance covered the work I had done XXXX XXXX XXXX XXXX and they did XXXXXXXX XXXX but they were already paid for by my ex I was there when she paid for them so I know it was paid for then they started calling telling me I owed XXXX dollars and I told them it must be another patient with the same name cause my account is current there is not balance to pay. they had kept calling I told them to stop then it showed up on my credit dropping my score XXXX that day. I just bought my XXXX car in XX/XX/XXXX.I had a good score I never used credit before so I had none now not only is it showing on my report but they keep adding XXXX or XXXX $ a week to the balance which is now at XXXX dollars they say I owe I have asked for documentation proving it is in fact my debt and was denied I have disputed it on my credit report and got denied. Even if it was mine XXXX XXXXXXXX XXXX do not cost even close to XXXX dollars and with the new bill I seen that removes medical debt from ur credit report if it's under XXXX this shouldn't have been put on my credit especially cause I never paid the collection company a dime nor did I agree to and then from what I understand the debt was sold and that's when it showed up and then started going up every week. I don't know what to do I don't want to contact them directly as i understand it could just hurt me more in the end and this balance is continuing to go up and this was over 5 years ago as it is that I had the work done which is what leads me to believe it's not my debt just someone either using my name because my sister sold my social security number and I tried to file a report on her for it but the police department wouldn't take it and I was young when I found out and have had to fight a number of things the person she sold it to has used my name for, like a phone bill and other utilities I never turned on and had to fight over a year on each of them to have removed from my name. I am more then willing to press charges on my sister for selling my identity though I just don't know who to call to do so and this might be another one of those things that happened because of her. She knew I had been to XXXX XXXX to have my teeth pulled though and the office that this bill was made at, I've never been to so its not mine I will not pay it I shouldn't have to. I need help solving this problem so it doesn't keep harming my credit. it's now kept me from getting back into school and refinancing my car loan and now getting approved for an apartment. I'm about to be homeless because of this causing my credit to drop so drastically.

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This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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