|
10909419
|
2024-11-23
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
SMITH, ROUCHON & ASSOCIATES, INC.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
I do not know
|
| Date Received |
2024-11-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-23
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11489947
|
2025-01-12
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Problem with a company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
SMITH, ROUCHON & ASSOCIATES, INC.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-12
|
|
|
10809577
|
2024-11-16
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
SMITH, ROUCHON & ASSOCIATES, INC.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Private student loan debt
|
| Date Received |
2024-11-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-18
|
|
|
7881442
|
2023-11-21
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
SMITH, ROUCHON & ASSOCIATES, INC.
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
|
| Sub Product |
Medical debt
|
| Date Received |
2023-11-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-11-28
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6313759
|
2022-12-13
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
SMITH, ROUCHON & ASSOCIATES, INC.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Medical debt
|
| Date Received |
2022-12-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-12-14
|
| Consumer Consent Provided |
Consent not provided
|
|
|
5682251
|
2022-06-17
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
SMITH, ROUCHON & ASSOCIATES, INC.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
Medical debt
|
| Date Received |
2022-06-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-06-30
|
| Complaint What Happened |
I dont owe this place take it off its messing up my credit score its was not me
|
| Consumer Consent Provided |
Consent provided
|
|
|
5456988
|
2022-04-17
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
SMITH, ROUCHON & ASSOCIATES, INC.
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
|
| Sub Product |
I do not know
|
| Date Received |
2022-04-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-05-09
|
| Complaint What Happened |
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXX XXXX, for committing identity theft. I have never given XXXX XXXX, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have not validated any alleged debt with XXXX XXXX and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving XXXX XXXX ) any right to collect on this alleged debt.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4690611
|
2021-09-03
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
SMITH, ROUCHON & ASSOCIATES, INC.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
Medical debt
|
| Date Received |
2021-09-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-09-03
|
| Complaint What Happened |
To Whom It May Concern, I have been the victim of identify fraud, and I believe this debt is one of the debts which resulted from my identity theft and was falsely taken out in my name. Under the Fair Debt Collections Practices Act, I have the right request validation of the debt you say l owe. I am requisition proof that l am indeed the party you are asking to pay this debated there is some contractual obligation which is binding on me to pay this debt.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4863890
|
2021-11-01
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
SMITH, ROUCHON & ASSOCIATES, INC.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2021-11-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-11-01
|
| Complaint What Happened |
SMITH ROUCHON has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts on my report.
How can a disputed be resolved if the customer disagrees, who resolved the disputed account, no reasonable procedure was performed it is a violation to my rights to claim that an account has been resolved if I didnt resolve it and its still reporting inaccurately This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.
This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4668567
|
2021-08-27
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
SMITH, ROUCHON & ASSOCIATES, INC.
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
Medical debt
|
| Date Received |
2021-08-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-09-10
|
| Complaint What Happened |
SMITH ROUCHN Has reported that I have an outstanding account with them, but this information is not accurate!
|
| Consumer Consent Provided |
Consent provided
|
|
|
6987009
|
2023-05-16
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
SMITH, ROUCHON & ASSOCIATES, INC.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-05-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-05-16
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3636712
|
2020-05-04
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
SMITH, ROUCHON & ASSOCIATES, INC.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Medical debt
|
| Date Received |
2020-05-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-05-04
|
| Complaint What Happened |
i notice some collections on my credit report that i dont recall having, so on XXXX XXXX, I sent a dispute letters to the company that is damaging my credit with items that i dont recall having and also has violated the Hippa Act by sharing my medical information with others that i didn't consent in doing. I'm requesting for them to validate the alleged debt within 30 days and verification from the original creditor with a signed contract with the creditor.i have letters attached that i sent to SMITH ROUCHON & ASSOC
|
| Consumer Consent Provided |
Consent provided
|
|
|
11069120
|
2024-12-08
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
SMITH, ROUCHON & ASSOCIATES, INC.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2024-12-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-08
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3427268
|
2019-11-04
|
Unexpected or other fees
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Unexpected or other fees
|
| Timely |
Yes
|
| Company |
SMITH, ROUCHON & ASSOCIATES, INC.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Product |
Credit repair services
|
| Date Received |
2019-11-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-11-06
|
| Complaint What Happened |
I have XXXX and it covers any xrays. This is a bill is for an X-ray that I know my insurance covered
|
| Consumer Consent Provided |
Consent provided
|
|
|
3167762
|
2019-03-03
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
SMITH, ROUCHON & ASSOCIATES, INC.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Medical debt
|
| Date Received |
2019-03-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-03-07
|
| Complaint What Happened |
I have sent a letter of debt validation to this company to validate the accused debt. This company has failed to validate this debt as requested within 30 days of receipt request. I have submitted various dispute with the credit bureaus and this company has sent a response back as the debt being verified. However, this company failed to validate my request.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2789165
|
2018-01-20
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
SMITH, ROUCHON & ASSOCIATES, INC.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2018-01-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-01-20
|
| Complaint What Happened |
On XX/XX/XXXX I had a collections account opened up in my name for a previous student loan that I thought my parents had taken care of for my first semester of college at XXXX XXXX XXXX College in XXXX, MS. At the time upon receiving a letter of this matter going into collections my Dad ( XXXX XXXX ) stated he had called the collection agency ( Smith Rouchon & Associates XXXX XXXX XXXX, XXXX, XXXX XXXX ) to work out a payment plan with them to pay off the item that is in collections which at the time the original amount was {$1200.00}. To my knowledge this debt was paid off, I had never looked at any of my credit reports simply because I had not needed to, I had never applied for any type of credit card etc, so I never even thought about anything being on my credit report. Around XX/XX/XXXX, I decided one day to check my credit report and happened to notice that I still had this item in collections, and not only that but a negative balance showing I owed {$1100.00}. I called my Dad ( XXXX XXXX ) to ask if he had paid it off and indeed he had been giving me lies stating he did, when in reality back in XX/XX/XXXX he had only called them to make a manual payment of {$50.00} hence why my original balance was only {$50.00} more. Of course at this point I was bothered by the situation and did everything in my power to speak with the collection agency ( Smith Rouchon & Associates XXXX XXXX XXXX, XXXX, XXXX XXXX ) about the item that was on my report in collections. From the beggining of XX/XX/XXXX. to the end of XX/XX/XXXX. I tried to get in contact with the collection agency ( Smith Rouchon & Associates XXXX XXXX XXXX, XXXX, XXXX XXXX ) each time I called, which was once possibly twice a week I would be told either a lie about how much I owed them ( wrong amount every time I called ) or was told that someone was looking into it for me and would get back with me. I specifically remember calling 3 times in XX/XX/XXXX and being told that someone would get back with me. Finally after being sick of it being on my report and tired of the collection agency ( Smith Rouchon & Associates XXXX XXXX XXXX, XXXX, XXXX XXXX ), I called the original creditor on XX/XX/XXXX who was XXXX XXXX XXXX College and spoke with XXXX XXXX in the business department about what I could do to get the collection removed from my report. She then preceded to say that if I made the full payment to her office that she would email the Collection Agency ( Smith Rouchon & Associates XXXX XXXX XXXX, XXXX, MS XXXX ) and CC me showing that she would have them remove it from my report. I also before making payment made her send me an email stating that once a payment is recovered by her she will send the email to have it removed from my report on all reporting agencies. I have her on a recorded call stating this as well as the email from her both of which will be attached as documented proof below. That very same day after verbal and written agreement was made I went to XXXX XXXX and got a cashiers check to bring to the XXXX XXXX XXXX College Campus. ( Pictures of the check are also attached as documented proof ) XXXX XXXX whom I had been emailing and on the phone with was not in the office when I dropped the check off but had someone else in the business department place the payment of {$1100.00} on my account to pay off the remaining balance in full. ( In documents below I have also attached the original transcript showing money due as well as a paid in full transcript with the receipt of payment ) I then waited approx. 3 hours and called the business department back to speak with XXXX XXXX whom stated that my payment was received and that she was sending the email to the Collection agency ( Smith Rouchon & Associates XXXX XXXX XXXX, XXXX, MS XXXX ). ( That email is documented proof below ) stating that I had made a payment in full and that it needed to be marked paid and removed from my report. After calling the Collection Agency to confirm this they stated I still owed a balance of {$64.00} for a filling fee in which after that was paid there was a special note on my account to directly call the Credit Reporting Agencies and have it removed this was on XX/XX/XXXX, however as soon as I paid the remaining balance with XXXX XXXX I disputed the collection account on both my XXXX and XXXX credit report. XXXX within one week after sending in the same documents I am sending now marked it " Paid in Full '' because they could see the proof that the balance I had was paid off. However XX/XX/XXXX denied my request stating that it was verified correctly, AFTER XX/XX/XXXX had just verified it was paid which was very confusing. This dispute was on XX/XX/XXXX and was sent back to me in two days confirming that it was verified which makes no sense, because not only did XXXX just come with a different outcome they had already marked it " Paid in Full '' as you can see in the pictures below. Since XX/XX/XXXX when the first dispute happened, I then figured it may be because of the remaining {$64.00} balance at the Collection Agency ( Smith Rouchon & Associates XXXX XXXX XXXX, XXXX, MS XXXX ) so I paid that in full as well with a money order on XX/XX/XXXX when I originally called them. ( Documented Below ) Since that date I have completed 4 disputes with XXXX that have ALL denied my request to be taken off my report or even as much as marked " Paid in Full '' and this is the collection agency and original creditor telling them to do so! All of my disputes have come back in 6 days or less denying my request saying that, the amount on my report is verified after sending in proof from both the collection agency that it is paid as well as the original creditor, and not only that BUT when I call XXXX to see what is going on they simply tell me that it is verified and I must call the collection agency which then tells me to call XXXX because they have already called them to have it removed. Now, I am stuck XXXX at least had it marked " Paid in Full '' which is not what they are supposed to do when the collection agency and emails are stating to remove it but that is better then nothing, XXXX on the other hand will not do proper due diligence and read the proof I send in nor listen to anything I am telling them in writing or over the phone. I do not know what to do at this point besides go to the correct regulatory agencies to get this matter taken care of. Below you can see documented proof to help my case as well as all paperwork and emails sent to me by the Collection Agency and Original Creditor. Thank you for your help.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2683202
|
2017-09-25
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
SMITH, ROUCHON & ASSOCIATES, INC.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2017-09-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-09-25
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2410873
|
2017-03-30
|
Taking/threatening an illegal action
|
Debt collection
|
|
| Issue |
Taking/threatening an illegal action
|
| Timely |
Yes
|
| Company |
SMITH, ROUCHON & ASSOCIATES, INC.
|
| Product |
Debt collection
|
| Sub Issue |
Sued w/o proper notification of suit
|
| Sub Product |
Medical
|
| Date Received |
2017-03-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2017-03-30
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I, XXXX, completely paid off my medical debt prior to the trial date for the lawsuit that debt collector, Smith Rouchon and Associates ( of XXXX, Mississippi ), filed against me in the Justice Court of XXXX County, Mississippi.
Despite my full payment - and my being issued a receipt from the law firm for debt collector, Smith Rouchon and Associates, which is named XXXX ( XXXX, Mississippi, as well ) - this debt collector, through its attorneys, still went ahead and obtained a Default Judgment against me.
In order to obtain this Default Judgment, Smith Rouchon and Assoc./XXXX, went to Court and swore to the Court that I still owed this ( completely paid-off ) medical debt. This was a false certification to the Court. I had paid off the debt, in full, prior to this hearing date in XXXX County ( Mississippi ) Justice Court.
I did not show up for that trial/hearing date, since I had paid off the debt, and I had a receipt for my full payment.
Years went by before I discovered that this fraudulently-obtained Default Judgment against me was filed. I only discovered this shocking fact after I was denied for automobile loans, could not obtain a mortgage for the amount I needed, and other severe problems stemming from this fraudulent Default Judgment being reported to the major credit-reporting-bureaus.
I paid my debt, yet Smith Rouchon and Assoc./XXXX, nonetheless, went ahead and lied to the Court and obtained a fraudulent Default Judgment against me that ruined my credit for years.
This situation has caused me financial harm, embarrassment, incredible XXXX, and shame.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2744887
|
2017-12-03
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
SMITH, ROUCHON & ASSOCIATES, INC.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Medical debt
|
| Date Received |
2017-12-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-12-03
|
| Complaint What Happened |
This debt was disputed and found to violate fair credit act and then removed on XXXX/XXXX/XXXX. On XXXX XXXX, XXXX, Smith Rouchon and Associates blatantly disregarded the investigation and underhandedly reported the same false information from XXXX/XXXX/XXXX thinking I would not notice. This is unscrupulous, unfounded and has adversely caused suffering and damaged my credit again.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10789366
|
2024-11-13
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
SMITH, ROUCHON & ASSOCIATES, INC.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Medical debt
|
| Date Received |
2024-11-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-13
|
| Complaint What Happened |
On XX/XX/year> Smith Rouchon and Associates provided a breakdown of debt owed.
I have since paid bill down under {$500.00} and they are still reporting a medical debt on credit report. According to law and HIPPA they are violating my rights and don't suppose to report medical debt on credit report.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2574237
|
2017-07-13
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
SMITH, ROUCHON & ASSOCIATES, INC.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Medical debt
|
| Date Received |
2017-07-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-07-13
|
| Complaint What Happened |
On XX/XX/XXXX this company received certified mail asking for validation of debt. On XX/XX/XXXX the company still did not validate debt owed and they did not mark the debt disputed by XX/XX/XXXX through the major credit reporting bureaus. This is a violation of the FDCPA and FCRA. I did send a second letter which the company received on XX/XX/XXXX . A lady from the company called and talked to me about the debt on XX/XX/XXXX but again did not have the credit bureaus mark the item as disputed. The company still violated the laws. Section [ 15 U.S.C. 1681s-2 ] ( 3 ) duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed. ( B ) ti me of notice! The notice required under sub paragraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). This company violated the state laws. I received no information until XX/XX/XXXX . Therefore by law the company should have the item removed from the credit agencies such as transunion and XXXX . I tried to call the company back about the laws that was broken and left my name no return call. The copy of my credit reports are below and as you can see the items was n't marked disputed. XXXX is marked disputed because on XX/XX/XXXX I myself disputed the information with the credit bureau. The lady stated they did n't receive my dispute letter until XX/XX/XXXX . Included is certified mail reciepts with date, time stamp, and signature of the person who signed for the certified mail on XX/XX/XXXX and XX/XX/XXXX . So again the company violated the laws and I have all the proof. If I have a contract with this company please send to me by mail a contract bearing my signature of the contract.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1339409
|
2015-04-21
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
SMITH, ROUCHON & ASSOCIATES, INC.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
Medical
|
| Date Received |
2015-04-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-04-21
|
| Complaint What Happened |
I had medicaid during this time, but the company billed me instead of my insurance..
|
| Consumer Consent Provided |
Consent provided
|
|
|
582706
|
2013-11-03
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
SMITH, ROUCHON & ASSOCIATES, INC.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
I do not know
|
| Date Received |
2013-11-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2013-11-18
|
| Consumer Consent Provided |
N/A
|
|
|
3156690
|
2019-02-19
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
SMITH, ROUCHON & ASSOCIATES, INC.
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
Medical debt
|
| Date Received |
2019-02-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-02-19
|
| Complaint What Happened |
In XX/XX/XXXX, I pulled my credit and saw Smith Rouchon & Associates ( XXXX, MS ) had placed a medical collection on my credit, as of XX/XX/XXXX. From XX/XX/XXXX - XX/XX/XXXX I was never contacted to collect this debt or aware it was bought by them, as I'd JUST made a payment to the OC the day before. I've disputed the collection due to the incorrect amount they are trying to collect more than 6 times to no avail of having it removed from my XXXX credit file. It has been removed from XXXX and XXXX. As of today, I still have yet to hear from the CA regarding collection and I won't contact them directly as that would reset the collection date for said debt.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2426619
|
2017-04-09
|
Improper contact or sharing of info
|
Debt collection
|
|
| Issue |
Improper contact or sharing of info
|
| Timely |
Yes
|
| Company |
SMITH, ROUCHON & ASSOCIATES, INC.
|
| Product |
Debt collection
|
| Sub Issue |
Talked to a third party about my debt
|
| Sub Product |
Medical
|
| Date Received |
2017-04-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2017-04-19
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2675002
|
2017-09-15
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
SMITH, ROUCHON & ASSOCIATES, INC.
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
Medical debt
|
| Date Received |
2017-09-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-09-15
|
| Complaint What Happened |
My debt was paid in full
|
| Consumer Consent Provided |
Consent provided
|
|
|
4969196
|
2021-12-02
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Tags |
Older American
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
SMITH, ROUCHON & ASSOCIATES, INC.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Medical debt
|
| Date Received |
2021-12-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-12-16
|
| Consumer Consent Provided |
Other
|
|
|
2902960
|
2018-05-10
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
SMITH, ROUCHON & ASSOCIATES, INC.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Medical debt
|
| Date Received |
2018-05-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-05-14
|
| Consumer Consent Provided |
Other
|
|
|
10166501
|
2024-09-18
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
SMITH, ROUCHON & ASSOCIATES, INC.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2024-09-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-09-18
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2135825
|
2016-09-28
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
SMITH, ROUCHON & ASSOCIATES, INC.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
Medical
|
| Date Received |
2016-09-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-09-28
|
| Complaint What Happened |
I have sent XXXX request to have Smith, Rouchon and Associates , Inc. validate a debt that they have been contacting me about. I have expressed over numerous of occasions that the debt does not belong to me. Smith, Rouchon and Associates, Inc have failed to send me any correspondences validating such debt and yet they still are reporting the negative information to the credit bureas.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3103737
|
2018-12-18
|
Dealing with your lender or servicer
|
Student loan
|
|
| Issue |
Dealing with your lender or servicer
|
| Timely |
Yes
|
| Company |
SMITH, ROUCHON & ASSOCIATES, INC.
|
| Product |
Student loan
|
| Sub Issue |
Need information about your loan balance or loan terms
|
| Sub Product |
Federal student loan servicing
|
| Date Received |
2018-12-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-01-12
|
| Consumer Consent Provided |
Consent not provided
|
|
