|
11350808
|
2025-01-02
|
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 |
Alpine Credit, Inc
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Was not notified of investigation status or results
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-02
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
I have sent this company a letter to validate this account. Which has been over XXXX days now and I still have not received a response. The account appears to be over XXXX XXXX XXXX, so it should not be reporting on my credit anyways, Also I do not recognize what this account is.
Ive attached the letter that was sent to them in XXXX as well as the credit report.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5802123
|
2022-07-22
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Alpine Credit, Inc
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-07-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-07-22
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
This will be the XXXX attempt to stop XXXX from reporting XXXX closed accounts for the US Department of EducationXXXX and XXXX closed accounts XXXX/Dept of Education on my credit report XXXX These accounts have been closed since XX/XX/2020 and XX/XX/2020, respectively. They do not show as open accounts on XXXX and XXXX which I also explained to them on the forms and in a letter. The impact of having this information displayed on my account as open has kept me from being able to rent/lease a place to live because my credit score is too low ( XXXX ) and it shows reason code : XXXX - The total of your delinquent or derogatory account balances is too high. We currently live in a hotel.
Secondly, I have asked more than 3 times for a duplicate account from Alpine Credit IncXXXX XXXX of Colorado to be removed from my credit report. The company charged me twice for the same day of service and the bill was paid in full by my insurance company. They never send any documentation to my email address, they only tell me " The information you disputed has been verified as accurate, however, information unrelated to your dispute has been updated. Account #. Where is the proof? I have even written XXXX XXXX of Colorado and Alpine Credit Inc and neither of them have emailed any verification documents or proof either.
The information contained on one credit reports should be exact or at least similar in content and XXXX is always different and the worst when it comes to depicting someone's owed or owned debt. I am disputing these items every 3 months, if necessary, until they remove it or until I contact the Office of the Attorney General. I don't want to live in a hotel forever but until they remove the closed accounts for US Department of Education and XXXX/Dept . of Ed, and the duplicate account for Alpine Credit Inc., we will continue to live here because my credit score will never be high enough to rent or lease a place outside of here.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6244450
|
2022-11-28
|
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 |
Alpine Credit, Inc
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Was not notified of investigation status or results
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-11-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-11-28
|
| Company Public Response |
Company disputes the facts presented in the complaint
|
| Complaint What Happened |
On XX/XX/22 I paid off my collection debt with Alpine Credit and I have court documents to prove it that debt has been paid off. We did a stipulation and they agreed to take that off my credit report and mail us a document on their behalf that my debt was paid off. I never got a letter stating that my debt was paid off from Alpine XXXX. I am requesting that Alpine Credit takes that off all 3 credit reports. They are quick to report bad things on all three credit reports, I am requesting that they take that off all 3 credit reports as we all agreed on the Stipulation.
XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
3234130
|
2019-05-06
|
Written notification about debt
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Alpine Credit, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
I do not know
|
| Date Received |
2019-05-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-05-06
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4167667
|
2021-02-25
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Alpine Credit, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Medical debt
|
| Date Received |
2021-02-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-02-25
|
| Complaint What Happened |
XXXX XXXX XXXX XXXX and Alpine Credit have put a collection account onto my credit report. I called my insurance company to find out why I was being billed for this. They told me it was a duplicate charge and that I did not owe it. Ive disputed the charge several times and it comes back as a valid debt.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5784255
|
2022-07-18
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Alpine Credit, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Medical debt
|
| Date Received |
2022-07-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-07-18
|
| Company Public Response |
Company believes the complaint is the result of a misunderstanding
|
| Complaint What Happened |
XXXX XXXX XXXX tried to double bill us for a bill of {$19.00}. We made numerous phone calls each time giving them the transaction ID number. They pretend to see that the bill is already paid, but still send bills after these calls.
We sent a hard copy of the payment transaction from our XXXX showing that they received the payment. Now they have sent us to collections for that bill plus interest.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3730202
|
2020-07-05
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Alpine Credit, Inc
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Old information reappears or never goes away
|
| Sub Product |
Credit reporting
|
| 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 |
Alpine Credit Company keeps putting different dates when Services were supposed to have been rendered so they don't fall off after 7 years they also have sent me hard copy that has no dates or amount that are listed on my credit report so figures and dates keep being changed so I don't even know who has been paid or who is owed I have not seen a doctor for my XXXX in over 5 years because of this error on their behalf they keep showing up on my credit reports.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2981311
|
2018-08-02
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Alpine Credit, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Notification didn't disclose it was an attempt to collect a debt
|
| Sub Product |
Medical debt
|
| Date Received |
2018-08-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-08-02
|
| Company Public Response |
Company believes the complaint is the result of a misunderstanding
|
| Complaint What Happened |
On XX/XX/17 Alpine Credit charged my credit card for {$1800.00} confirmation number XXXX. Speaking to XXXX, the authorization to charge the card was based upon their agreement to make an exception to their standard policy and delete the record based upon my address changes that my non-receipt of any prior notices.
On XX/XX/17 I sent a letter demanding proof that they were authorized and/or contracted to collect the alleged debt and for documentation. No response received.
I have made two additional calls to Alpine and asked on the status for the deletion, and was told that they do not do that. I advised them of the conversation with XXXX on XX/XX/17 and was told that there was nothing they would do.
I did not authorize my card to be charged without the aforementioned deletion and would under no circumstances have provided that information to them.
Furthermore I believe they have multiple FCRA violations on every contact with them, they have never identified that they are a debt collector and that any information they collect may be used. Per the FCRA.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2101421
|
2016-09-08
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
No
|
| Company |
Alpine Credit, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2016-09-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2016-09-08
|
| Complaint What Happened |
I recently applied for credit and during a review of my credit report an entry for Alpine Credit was identified as active and unpaid. This is patently false and I have documentation to prove my claim in the form of the payment receipt and confirmation from Alpine that the debt was paid in full back in XXXX of 2012 along with a guarantee from XXXX XXXX XXXX XXXX that the debt would be removed from all of my credit reports!
|
| Consumer Consent Provided |
Consent provided
|
|
|
1810842
|
2016-03-01
|
Taking/threatening an illegal action
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Taking/threatening an illegal action
|
| Timely |
No
|
| Company |
Alpine Credit, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Threatened arrest/jail if do not pay
|
| Sub Product |
Medical
|
| Date Received |
2016-03-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-03-03
|
| Consumer Consent Provided |
Consent not provided
|
|
|
1257884
|
2015-02-26
|
Taking/threatening an illegal action
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Taking/threatening an illegal action
|
| Timely |
No
|
| Company |
Alpine Credit, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Threatened arrest/jail if do not pay
|
| Sub Product |
Medical
|
| Date Received |
2015-02-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-02-26
|
| Consumer Consent Provided |
N/A
|
|
|
1624965
|
2015-10-26
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
No
|
| Company |
Alpine Credit, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Medical
|
| Date Received |
2015-10-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-10-26
|
| Complaint What Happened |
I contacted Alpine Credit Inc. located at XXXX XXXX XXXX XXXX, XXXX XXXX in XXXX CO XXXX to request a paid in full letter after making my last payment to bring my account to a XXXX balance. A gentleman who identified his self as the owner of this collection agency by the name of XXXX ( who did not provide a last name ) informed me all I will receive from their office is a receipt showing I made the last payment and that will be it and proceeded to hang up in my face with a very unprofessional attitude. As a consumer that took the time to contact this collection agency to take care of her dept should not be treated so rude be a professional company that is licenses by the state of Colorado to perform such services. If collection agencies are permitted to conduct business in such unprofessional manners, people who have debt to this Alpine Collection Agency Inc. does not have a chance of being treated fairly. I believe every collection agency should be required to use recorded lines, just for reasons like this one and this company does not support recording their conversation with their debtors.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1845288
|
2016-03-22
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Alpine Credit, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
Medical
|
| Date Received |
2016-03-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-03-25
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3170950
|
2019-03-06
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Alpine Credit, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Medical debt
|
| Date Received |
2019-03-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-03-06
|
| Company Public Response |
Company disputes the facts presented in the complaint
|
| Complaint What Happened |
I received this companies " proof of Debt '' they are right it is NOT a XXXX - it is XXXX.. STILL NOT MY DEBT! I stated that this is not mine. This debtor needs to contact XXXX XXXX XXXX. The dates are included with a legal case. All original creditors have been contact. further collection is a violation - if you continue, I would be happy to hold you responsible for damages I would be entitled from you to under the law.
Or you could contact this law firm ask for XXXX ... a paralegal that I know would be happy to set you straight By the way I also mail you the information!
|
| Consumer Consent Provided |
Consent provided
|
|
|
2697678
|
2017-10-10
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Alpine Credit, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Medical debt
|
| Date Received |
2017-10-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-10-10
|
| Complaint What Happened |
I 've never received any notification of this debt. Collection agency is calling but has n't sent evidence this is owed or I was ever notified previously.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1473717
|
2015-07-20
|
Disclosure verification of debt
|
Debt collection
|
|
| Issue |
Disclosure verification of debt
|
| Timely |
No
|
| Company |
Alpine Credit, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Not given enough info to verify debt
|
| Sub Product |
Medical
|
| Date Received |
2015-07-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2015-07-20
|
| Complaint What Happened |
This letter is being sent to you in response to the above reference account that Alpine Credit INC. has reported and listed on all three major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and Validation is requested.
This is not a request for " Verification '' or proof of my mailing address, but a request for " Validation '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence.
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered AgentAt this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action might constitute Fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against Alpine Credit INC. for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of characterIf Alpine credit INC. is able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days investigating this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.
|
| Consumer Consent Provided |
Consent provided
|
|
|
8475909
|
2024-03-04
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
No
|
| Company |
Alpine Credit, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Other debt
|
| Date Received |
2024-03-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-03-04
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
My car was serviced at XXXX XXXX ( XXXX XXXX XXXX, XXXX CO XXXX ), part of the XXXX XXXX XXXX, in XXXX of 2022. The work was covered by my insurance company, for which they received a payment -- as a result, I recieved a refund for the payment I had initially made, which was issued in XX/XX/2022.
I have not received any communication from XXXX XXXX XXXX since that time. Indeed, I had my car serviced again in XXXX of 2022, and no mention was made of me owing any amount.
I received a debt collection letter from Alpine Credit , Inc, ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX CO XXXX ), stating that I owe the exact amount refunded to me, plus interest accrued since XX/XX/2022. This is clearly erroneous. Moreover, I have not received any bills, statements, or other communication from XXXX XXXX since that time. Of further note, this apears to have been reported to consumer credit reporting agencies -- this has affected my credit score dramatically.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1742501
|
2016-01-14
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Alpine Credit, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2016-01-14
|
| Submitted Via |
Postal mail
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2016-01-19
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
N/A
|
|
|
2866236
|
2018-04-05
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Alpine Credit, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Medical debt
|
| Date Received |
2018-04-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-04-05
|
| Complaint What Happened |
The refuse to follow The social security act that states that i am not responsible for the debt as I had Medicaid at the time of the bill.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1973078
|
2016-06-16
|
Taking/threatening an illegal action
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Taking/threatening an illegal action
|
| Timely |
No
|
| Company |
Alpine Credit, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Threatened arrest/jail if do not pay
|
| Sub Product |
Medical
|
| Date Received |
2016-06-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-06-16
|
| Company Public Response |
Company believes the complaint is the result of a misunderstanding
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2888433
|
2018-04-26
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Alpine Credit, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Other debt
|
| Date Received |
2018-04-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-04-26
|
| Complaint What Happened |
ALPINE CREDIT INC on behalf of XXXX XXXX MD put a {$38.00} collection account on my credit they are claiming to be my wife 's. One that I know I never co-signed on, yet they are reporting it as such. When I call to have them correct the issue they become combative, wrongly tell me this is Colorado State Law and hang up on me.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1699163
|
2015-12-17
|
Disclosure verification of debt
|
Debt collection
|
|
| Issue |
Disclosure verification of debt
|
| Timely |
No
|
| Company |
Alpine Credit, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Not given enough info to verify debt
|
| Sub Product |
Medical
|
| Date Received |
2015-12-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-12-17
|
| Complaint What Happened |
This letter is being sent to you in response to the above reference account that Alpine Credit Inc, has reported and listed on all XXXX major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and VALIDATION HAS BEEN REQUESTED.
This is not a request for " Verification '' or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence.
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered Agent At this time I will also inform ALPINE CREDIT INC that your offices have reported invalidated information to all three of the major credit bureaus ( XXXX, XXXX, and XXXX ) this action constitute Fraud under both federal and state laws. Due to this fact, the negative mark that has been found on all three of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against ALPINE CREDIT INC for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character VIOLATION OF THE COLORADO FAIR CREDIT REPORTING ACT LAWS.
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| Consumer Consent Provided |
Consent provided
|
|
|
7287255
|
2023-07-21
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
No
|
| Company |
Alpine Credit, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Medical debt
|
| Date Received |
2023-07-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-07-21
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
My father died in XXXX. Just before he died, he was given a final radiology scan to view his XXXX ( I think, I have NO evidence of this ). The " XXXX XXXX XXXX '' sent a bill after my dad 's insurance 's window for payment. Insurance needed 30 days. Dad died XX/XX/XXXX. The first bill was sent to me XX/XX/XXXX, but was not sent to his insurance. The bill was sent to the wrong address, and didn't get to me for several weeks. I worked with my dad 's insurance to have the bills paid because I was his representative. They eventually agreed to pay the bill. In the meantime, I assume that XXXX XXXX XXXX sold the " debt '' to Alpine Credit , Inc., a debt collector. I worked with XXXX to have the debt paid, and was told it was, in fact, paid. I have a letter from XXXX stating this. The debt collector letters stopped coming to me.
However, they have sense resumed sending debt collection letters to my dad 's partner. They married as a symbolic gesture just before he died. They put her name on the letters, as if it was her debt. She has zero connection to this case, and I think this is illegal harassment.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Alpine Credit , Inc.XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CO XXXX XXXX from XXXX to XXXX XXXX, Monday to Friday
|
| Consumer Consent Provided |
Consent provided
|
|
|
4103225
|
2021-01-29
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Alpine Credit, Inc
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2021-01-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-02-17
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
On XXXX XXXX, XXXX, ALPINE CREDIT INC ( Opened XXXX XXXX, XXXX XXXX add a derogatory mark on my credit reports. ALPINE CREDIT INC did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4058416
|
2021-01-09
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Alpine Credit, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
|
| Sub Product |
Medical debt
|
| Date Received |
2021-01-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-01-09
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3645459
|
2020-05-10
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Alpine Credit, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive notice of right to dispute
|
| Sub Product |
Medical debt
|
| Date Received |
2020-05-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-05-10
|
| Complaint What Happened |
I have 4 collections items from Alpine Credit Collection Agency on my credit report. These accounts originated at XXXX XXXX XXXX in XXXX, CO. I provided my XXXX information at the time of service. Somehow the information wasn't transferred to XXXX XXXX for my x-rays. XXXX XXXX never sent me a bill and I first received a bill from Alpine Credit. I have called Alpine Credit and disputed this account. I have also called XXXX XXXX and given my XXXX information and was told my account would be removed from collections. I called both companies in early XXXX. However, these collections accounts are still on my credit report today XXXX XXXX and has taken a significant toll on my credit report. Can you please help me?
|
| Consumer Consent Provided |
Consent provided
|
|
|
4481483
|
2021-06-22
|
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 |
Alpine Credit, 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 |
2021-06-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-06-22
|
| Complaint What Happened |
I was led to believe that by a representative of the collection company that when i paid the collection that it would be removed from my credit report with the three credit bureaus and it hasn't been. Please help me get this resolved. I have tried disputing it with the credit bureaus but it still remains. Please help me resolve this issue as it should not have been on my report to begin with and it is now effecting my ability to get a home.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3868336
|
2020-09-28
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Alpine Credit, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Other debt
|
| Date Received |
2020-09-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-09-28
|
| Complaint What Happened |
On XX/XX/2020 I gifted a Vehicle that was not running to my Sister. At the time I made a Bill Of Sale and transferred the title to her. Some time around XX/XX/2020 she parked said vehicle in a tow away zone and it was towed by XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX XXXX. I supplied a copy of that Bill of Sale to XXXX XXXX with the Signatures of 4 Witnesses and Multiple Businesses owners also saw said transaction take place. XXXX XXXX Deliberated engages in Deceptive Business practices by sending the bill to Alpine Collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX XXXX Because they new my Sister XXXX XXXX XXXX was homeless living in the Vehicle and I have a full time job.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3569819
|
2020-03-17
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Alpine Credit, Inc
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Personal information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2020-03-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-03-17
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4945927
|
2021-11-25
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Alpine Credit, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
|
| Sub Product |
Medical debt
|
| Date Received |
2021-11-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-12-10
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3465073
|
2019-12-11
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Alpine Credit, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
I do not know
|
| Date Received |
2019-12-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-12-11
|
| Consumer Consent Provided |
Consent not provided
|
|
