|
6024993
|
2022-09-27
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Commercial Acceptance Company
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-09-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-09-27
|
| Consumer Consent Provided |
Other
|
|
|
4604840
|
2021-08-05
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Commercial Acceptance Company
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2021-08-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-08-05
|
| Complaint What Happened |
COMMERCIAL ACCEPTANCE COMPANY and Collection Agency XXXX XXXX XXXX are 2 companies that are reporting fraudulently on my credit.
I didnt open nor utilize these accounts and I am requesting the removal of these accounts from my credit.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3729924
|
2020-07-05
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Commercial Acceptance Company
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
Medical debt
|
| Date Received |
2020-07-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-07-05
|
| Complaint What Happened |
If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.
I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding collection items that is listed on my consumer credit report : As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2200621
|
2016-11-08
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
No
|
| Company |
Commercial Acceptance Company
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
Medical
|
| Date Received |
2016-11-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-11-08
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2089770
|
2016-08-31
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
No
|
| Company |
Commercial Acceptance Company
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
I do not know
|
| Date Received |
2016-08-31
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-08-31
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3330243
|
2019-08-06
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Commercial Acceptance Company
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Medical debt
|
| Date Received |
2019-08-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-08-06
|
| Consumer Consent Provided |
Consent not provided
|
|
|
7958355
|
2023-12-07
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Commercial Acceptance Company
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
Credit card debt
|
| Date Received |
2023-12-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-12-19
|
| Consumer Consent Provided |
Consent not provided
|
|
|
7382795
|
2023-08-10
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Commercial Acceptance Company
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
|
| Sub Product |
Medical debt
|
| Date Received |
2023-08-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-08-10
|
| Complaint What Happened |
I was contacted by the Commercial Acceptance Company on XX/XX/23 for a debt owed by my stepdaughter. Then after not answering, the company proceeded called my wife and the representative left a voicemail.When we informed him it wasn't our debt and would look into it, he got more aggressive. Attached is a recording of the phone call where the agent became belligerent and we decided to hang up.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
8120353
|
2024-01-07
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Commercial Acceptance Company
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Rental debt
|
| Date Received |
2024-01-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-01-09
|
| Consumer Consent Provided |
Consent not provided
|
|
|
7961587
|
2023-12-06
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Commercial Acceptance Company
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Medical debt
|
| Date Received |
2023-12-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-12-06
|
| Complaint What Happened |
The debt is for services rendered on XX/XX/XXXX by the XXXX XXXX XXXX. I received multiples letters from them after the date of service demanding payment. I disputed the debt each time and refereed them to my insurance company. They did not made any effort to resolve the issue or provide with documentation on services rendered, because they kept sending me the exact " Amount Owed '' letter over the course of XXXX.
At this point they charged off the amount owed to their collections department and continued to send me letters demanding payment and late fee charges. I once again disputed the dept, referencing this is a matter between them and my insurance, and their failure to provide the documentation noted above.
Since XXXX, I have heard nothing from XXXX XXXX XXXX and did not receive notice that " my debt '' was sold off. I had no idea who Commercial Acceptance Company until they recently filed a derogatory notice on my consumer credit account, resulting in a drop of credit score. The NY State AG contacted them and their reply was that the debt was legitimate and that they had sent my a letter on XX/XX/XXXX.
I again dispute the original debt. I failed to receive any timely notice or documentation that the original amount owed was attempted to be collected from my insurance. I also received no notice of transfer from XXXX XXXX XXXX. The amount now owed is also inaccurate and suggests predatory business practices I believe.
|
| Consumer Consent Provided |
Consent provided
|
|
|
8142970
|
2024-01-10
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Commercial Acceptance Company
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-01-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-01-10
|
| Consumer Consent Provided |
Consent not provided
|
|
|
7263536
|
2023-07-17
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
No
|
| Company |
Commercial Acceptance Company
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Other debt
|
| Date Received |
2023-07-17
|
| Submitted Via |
Web Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-07-17
|
|
|
7368736
|
2023-08-08
|
False statements or representation
|
Debt collection
|
|
| Tags |
Older American
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Commercial Acceptance Company
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
Medical debt
|
| Date Received |
2023-08-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-09-07
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6370987
|
2022-12-28
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Commercial Acceptance Company
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Public record information inaccurate
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-12-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-12-28
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4772238
|
2021-10-01
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Commercial Acceptance Company
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2021-10-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-10-01
|
| Complaint What Happened |
The following collection account on my credit report is fraudulent : COMMERCIAL ACCEPTANCE COMPANY # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , PA XXXX I have previously contacted the credit bureaus of this inaccuracy and have not gotten a resolution. I am not liable for any debt to COMMERCIAL ACCEPTANCE COMPANY, XXXX XXXX, or any factoring company. COMMERCIAL ACCEPTANCE COMPANY has not provided any validation for this debt and cease activities as required by the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809. This collection account needs to be deleted from my credit report.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4772386
|
2021-10-01
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Commercial Acceptance Company
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2021-10-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-10-01
|
| Complaint What Happened |
The following collection account on my credit report is fraudulent : COMMERCIAL ACCEPTANCE COMPANY # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX I have previously contacted the credit bureaus of this inaccuracy and have not gotten a resolution. I am not liable for any debt to COMMERCIAL ACCEPTANCE COMPANY, XXXX XXXX, or any factoring company. COMMERCIAL ACCEPTANCE COMPANY has not provided any validation for this debt and cease activities as required by the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809. This collection account needs to be deleted from my credit report.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4905437
|
2021-11-12
|
Threatened to contact someone or share information improperly
|
Debt collection
|
|
| Issue |
Threatened to contact someone or share information improperly
|
| Timely |
Yes
|
| Company |
Commercial Acceptance Company
|
| Product |
Debt collection
|
| Sub Issue |
Talked to a third-party about your debt
|
| Sub Product |
I do not know
|
| Date Received |
2021-11-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-11-12
|
| Complaint What Happened |
I am unaware of the debt or the company that they represent. However it did not stop them from contacting relatives and acquaintances about this alleged debt. They called and left messages as well. The woman 's name was XXXX XXXX.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2014630
|
2016-07-15
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Commercial Acceptance Company
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
Medical
|
| Date Received |
2016-07-15
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2016-08-10
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
N/A
|
|
|
3434336
|
2019-11-10
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Commercial Acceptance Company
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive notice of right to dispute
|
| Sub Product |
Medical debt
|
| Date Received |
2019-11-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-11-10
|
| Consumer Consent Provided |
Consent not provided
|
|
