Debt collection -- Attempts to collect debt not owed -- Complaint #7968217
Complaint Overview
Complaint ID: 7968217
Company: Americollect
Product: Debt collection
Sub-Product: Medical debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Florida
ZIP Code: 33603
Date Received: 2023-12-07T12:00:00-05:00
Date Sent to Company: 2023-12-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to file a formal complaint against Americollect , Inc. regarding their handling of the debt associated with account number XXXX, which they reported to the credit bureaus without providing proper debt verification, as requested. On XX/XX/ I sent a written request to Americollect, Inc. requesting verification of the debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ). Despite my request, I have not received any response or the requested verification letter. This failure to comply with my legal request raises serious concerns about the validity of the debt in question. Moreover, I want to highlight that I made a payment of the total outstanding amount of {$1300.00} to the original creditor, XXXX XXXX XXXX of XXXX XXXX, via check # XXXX on XX/XX/. However, this payment was made without assuming any responsibility for the debt, as I had not received the requested verification from Americollect , Inc . Furthermore, I am deeply troubled by the fact that Americollect , Inc. has reported an amount of {$1200.00} to the credit bureaus, despite the original billed amount being {$1300.00}. This discrepancy raises doubts about the accuracy and legitimacy of the reported information. I am formally requesting the following actions : 1. Immediate removal of the collection account # XXXX from my credit report. 2. Confirmation of the removal sent to my address or email as proof of compliance. 3. Proper adherence to the FDCPA regulations by Americollect , Inc. by providing the requested debt verification. I urge the Consumer Financial Protection Bureau to investigate this matter promptly and take appropriate action against Americollect , Inc. for their failure to comply with the FDCPA regulations and their inaccurate reporting to the credit bureaus. I appreciate your attention to this matter and request a swift resolution to rectify this erroneous reporting on my credit file. Thank you for your assistance in this matter.
Frequently Asked Questions
What is Complaint #7968217 about?
Complaint #7968217 was filed against Americollect regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2023-12-07T12:00:00-05:00.
How did Americollect 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 Americollect?
Yes, visit the Americollect company profile at readthecomplaint.com/company/americollect 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.