Shepherd Outsourcing, LLC

Response received from XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX have read XXXX XXXX complaint and reviewed the account that was placed with us by our client. The consumer 's complaint has been noted, so that our client is aware of it. Upon review, XXXX XXXX received XXXX XXXX account in our office on XX/XX/XXXX, for service. Our client reflects the Original Creditor as XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX with a balance of {$1100.00}. Our records show an open date of XX/XX/XXXX. XXXX XXXX acknowledges the consumer dispute and will cease contact with XXXX XXXX regarding this matter. XXXX XXXX is a licensed third-party collection agency that collects past due accounts on behalf of its clients. XXXX XXXX does not engage in any fraudulent activity to misinform, abuse, or harass any consumer. My Rebuttal and response I appreciate XXXX XXXX response indicating they will cease contact. However, their response does not address the core issue.…

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XXXX XXXX XXXX XXXX XXXX And Shepherd Outsourcing , LLC, has been sending out extremely detailed financial information to my grandmother I have new evidence and this is primarily to XXXX outsourcing its a collection company through XXXX XXXX XXXX and they send my grandmother my name my address, who I owe debt with, how much I owe, and sending her documents that allow anyone to sign. Happened XX/XX/XXXX at XXXX. We told them to stop on text messages. This is not my number and they still skip trace to her I have absolutely no idea why. She is getting irritated and its causing me so much stress. They are harassing a XXXX XXXX XXXX woman when they most likely know its not me. Its very simple to see that this number is hers through databases. And this is a complete break of privacy. This is my second report. They never reached out to me personally and its not my job to track them down. I refuse to talk to them after what they are doing.…

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I am filing a formal complaint regarding improper and unlawful debt collection practices by Shepherd Outsourcing USA ( or associated entity listed in the communication ). Or XXXX XXXX XXXX XXXX shown as current creditor On XX/XX/year>, an email was sent concerning an alleged debt belonging to XXXX XXXX. However, this email was sent to XXXX XXXX, who is not the debtor, has no legal responsibility for the account, and has not provided any authorization to receive information about this debt. This communication constitutes an unauthorized third-party disclosure of debt information and appears to be a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( b ), which prohibits a debt collector from communicating with any person other than the consumer regarding a debt without prior consent.…

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The actual problem is they sent an email to my mother, with the amount of the debt and who it was owed to. This directly violates my rights.they also sent a text to my mother about a different debt I owed that also had the amount and who it was owed to. If this behavior continues, I will be suing them.

Please see the attached Statement of Facts and Evidentiary Exhibits for the complete, documented timeline of violations. XXXX XXXX XXXX and XXXX XXXX are operating a mail-merge and compliance system that is dangerously incompetent. By blindly merging records based on a shared last name, from a letter explicitly stating a mistake has been made, they have weaponized the Complainant 's identity, compromised the Complainants credit report, caused the Complainant additional stress and labor required to correct the error, caused the Complainant to spend the additional time and labor required to report their incompetence to the relevant government oversight agencies, and severely compromised the financial and personal privacy of a Texas resident. Resurgents agent, Shepherd Outsourcing, utilizes an Automatic Telephone Dialing System ( ATDS ) without prior express authorization to systematically engage in predatory collection practices.…

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I am disputing an erroneous debt for a XXXX XXXX XXXX account. In XX/XX/XXXX, I attempted to pay the full balance using XXXX third-party settlement checks ( totaling {$190.00} ) from a home equity loan. The creditor erroneously flagged these legitimate checks as fraud and closed the account instead of applying the funds, which prevented further payment. I have formally disputed this with the collection agency, XXXX XXXX, and the debt owner, XXXXXXXX XXXX, via email on XX/XX/XXXX, and again on XX/XX/XXXX. In both instances, I provided physical proof of the XX/XX/XXXX payments. Despite this, the companies provided a " validation '' response that intentionally omitted all account records from XXXX, XXXX, and XX/XX/XXXX, providing irrelevant statements from XXXX and late XXXX instead. They have failed to conduct a meaningful investigation into my proof of payment as required by the Fair Debt Collection Practices Act and Texas state law.…

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To Whom It May Concern, I am writing regarding a debt your company is reporting on my credit file under account number XXXX. Please be advised that I do not acknowledge or accept ownership of this debt, as I have not received proper verification. This communication does not constitute a promise to pay or a payment agreement except under the specific terms outlined below. I am prepared to offer a settlement payment of {$100.00} in exchange for your agreement to completely remove all information regarding this account from all credit reporting agencies XXXX XXXX XXXX and XXXX ) within ten ( 10 ) calendar days of receipt of payment. If you accept these terms, please provide a formal agreement on company letterhead signed by an authorized agent, as the letter provided was not sufficient for validation. This agreement will be treated as a contract subject to the laws of Virginia. Upon receipt of this signed agreement, I will remit the certified payment of {$100.00}.

On or about XX/XX/year>, I began receiving email communications from this company regarding a debt account. These communications were sent to an email address that is not mine and has never been authorized for use on my account. The emails contained confidential debt collection information, including the balance amount owed and creditor information. I have never provided consent for disclosure of my debt information to any third-party email address. On XXXX, I notified the company in writing that the email address being used was unauthorized and instructed them to immediately cease communication to that address and correct their records. I requested written confirmation of the correction and an explanation of how the unauthorized email was added to my account. As of XXXX, I have received/ continued to receive communications sent to the unauthorized email address.…

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I received a text from Shepherd Outsourcing who bought my credit card debt from Destiny mastercard, handled by XXXX XXXX XXXX. The problem I have is the company texted my husband, who in no way had anything to do with the card or debt. My name was the only name on the card and it was mine only. I have no idea how they obtained his number. Please help me.

Received a voicemail from someone claiming to be a process server ( stating if he couldnt reach me at home he was required to reach me at work and get my manager and supervisor to witness me being served I have this in a voicemail. ) but when I returned the call it went to a call center where they claimed to be a mediator for the original creditor. I was repeatedly taunted by the individual on the phone telling me how broke he thought I was, called me brokey several times. Told me that my credit would be ruined, and then began mentioning vehicle makes and models we have had registered in our name at one time or another and saying this is going to be fun as if they were threatening to take the vehicles. Text received later shows it could either be Shepherd Outsourcing or XXXX XXXX XXXX

I got a text today saying I owe money to XXXX XXXX XXXX which is not correct. I inquired about a loan few months back but they called me and I canceled my application which I got a confirmation on. They have sold my information and I never got something in the mail about a collection notice. I did not even signed a contract with them. I am including email from XXXXXXXX XXXX XXXX showing that they even recently offered me a loan and the text I got from Shepherd Outsourcing alleging now I owe money.

I was contacted via text message from the number of XXXX. The text message states This text is from Shepherd Outsourcing, a debt collector regarding your XXXX XXXX XXXX ( XXXX XXXX - for which the current creditor is XXXX XXXX XXXX XXXX ) account. Visit XXXX XXXX XXXX. Reply stop to opt-out or call XXXX. # of messages varies. Message & data rates may apply. This is an attempt to collect a debt and any information obtained will be used for that purpose. License Number XXXX SO Ref # XXXX Reply STOP to opt out. After clicking the link to get more information I was directed to a page that asked for the last XXXX numbers of my ssn. I did not provide any information and closed the tab in my browser. About XXXX minutes later I received another text message from the same number. It stated We see you checked out our payment portal for your XXXX XXXX XXXX ( XXXX XXXX - for which the current creditor is XXXX XXXX XXXX XXXX ) account.…

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On XX/XX/year>, I recieved XXXX emails in the span of XXXX minute claining I have a debt. I replied to request a debt validation letter, and advised them XXXX emails in the span of a minute was excessive and harrassing and would be reported if they did not stop. Within XXXX minutes, another email was sent. These emails are also deceptively labeled " validation notice '' when they are not legitimate debt validation letters.

I am filing a complaint regarding a debt collection communication sent by Shepherd Outsourcing regarding an alleged XXXX XXXX Bank account now owned by XXXX XXXX XXXX. On XXXX XXXX, Shepherd Outsourcing sent a text message to a third party ( a family member ) disclosing my name, the original creditor ( XXXX XXXX Bank ), and that the account had been placed with a debt collector. This third party is not responsible for the debt, is not a co-signer, and was not authorized to receive information about my financial account. This disclosure appears to violate the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( b ) ), which prohibits a debt collector from communicating with third parties in connection with the collection of a debt and from disclosing the existence of a debt. Additionally, this account is approximately four years old, and I have not made payments in over four years. Under New York law, the statute of limitations on credit card debt is three years.…

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Shepherd outsourcing XXXX there are no signatures on any documents of alleged debt using my drivers license is not identification because I used the company in the past, the signature on document is not my name, the alleged account was charged off there fore no 1099 was sent and according to the IRS it is income, the alleged contract was broken when the alleged arbitration was broken cease and desist until all information is received

Sherpherd Outsourcing has contacted me via text message twice regarding a debt that does not exist. First XX/XX/year> at XXXXXXXX XXXX and again on XX/XX/year> at XXXX AM. They are employing scare tactics by using the phrase " we only have a limited time to work with you before we return your [ account ] to our client ''. I do have a Synchrony card, but I do not have an outstanding balance on that account nor have I ever been past due on that account. I checked directly with XXXX to confirm this. I have no outstanding debt for them to attempt to collect, and even if I did there would have been zero reason for Synchrony to not contact me directly.

I received the following text on XX/XX/year> regarding a debt that is not mine. I have never been a customer of XXXX XXXX XXXX XXXX and never had a credit card from XXXX. I checked my credit report and did not find anything that resembles what was stated in the text. I have ignored the text. This text is from Shepherd Outsourcing, a debt collector regarding your XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX - for which the current creditor is XXXX XXXX XXXX XXXX ) account. Visit XXXX XXXX XXXX. Reply stop to opt-out or call XXXX. # of messages varies. Message & data rates may apply. This is an attempt to collect a debt and any information obtained will be used for that purpose. acct disclosure : XXXX XXXX XXXX License Number XXXX SO Ref XXXX XXXXXXXX Reply STOP to opt out.

XXXX You guys closed this complaint sighting duplicate complaint. I in my second complaint I was able to submit the evidence I didnt provide in the first complaint. So I resubmitted a second compkaint proving that I had 149 inquiries and other evidence of going over the credit limit by submitting my credit report.I 'm only asking what the Federal law states I can do. On XXXX XXXX XXXX leaked my information which caused XXXX to also do the same. This information is public knowledge. Please give my complaint a fresh look. Because XXXX XXXX has replied and did nothing about wrong reporting or leak.

I received initial validation notices from Shepherd Outsourcing , LLC regarding XXXX alleged debts purportedly owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ). I timely disputed both debts in writing and requested full validation under 15 U.S.C. 1692g. At this time, no competent evidence has been provided to substantiate the debts, including but not limited to a signed agreement, itemized billing, or proof of lawful assignment. I am concerned that the collector may attempt to furnish inaccurate or unverified information to consumer reporting agencies prior to completing validation, which would violate the FDCPA and FCRA. I am requesting the CFPB require the collector to : XXXX. Cease all collection activity until proper validation is provided XXXX. Confirm that no credit reporting will occur absent lawful validation XXXX. Correct and prevent any inaccurate reporting I request written confirmation of compliance.

Account was disputed and deleted from my credit report and proved to be fraudulent. No communication has taken place between the company and myself, and the account attempting to be collected on is greater than XXXX XXXX XXXX. The company continues to call and email me trying to collect on s debt that is fraudulent, not in my correct name, never opened by me, and past the statue to legally collect or contact me.

While using Shepherd Outsourcings online customer service chat system regarding a debt originally owed to XXXX XXXX XXXX XXXX XXXX and currently XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was shown multiple chat transcripts that do not belong to me. These transcripts included other consumers names, account details, settlement terms, and payment links. I did not initiate or participate in those chats. This indicates improper disclosure of consumer financial information through the companys electronic communications system.

I received a text alert about XXXX debt collections within days of a missed payment from XXXX. I received a second text today, so I called XXXX to resolve this - and they said the don't send debt collectors for 30 days, and debt collection information will come from them, XXXX directly. This company was Shepherd Outsourcing. https : //www.shepherdoutsourcing.com/

I have spoken with them on the phone and my SS # and the SS # for the debt do not match. The name on the debt is also XXXX which is not my name. I have been told multiple times by them that I would stop being contacted regarding this debt as they agree that it is not mine. Last XXXX I filed a complaint with this agency regarding their repeated attempts to collect. ( Complaint ID- XXXX ) and that complaint was resolved by them assuring me they will no longer contact me. On both Monday XX/XX/XXXX at XXXX AM and Wednesday XX/XX/XXXX at XXXX AM I was contacted via text message via the number XXXX attempting to collect this debt. The message I received on the XXXX contained language with a sense of urgency stating they have a limited time to work with me regarding this debt before it is sent back to their client. The text says the Debt is a XXXX ( XXXX XXXX - for which the current creditor is XXXX XXXX XXXX ) account.…

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I RECEIVED A TEXT NOTICE FROM SHEPHARD OUTSOURCING STATING I OWE A DEBT TO XXXX XXXX WHEN I OWE NOTHING TO ANYONE. XXXX XXXX IS CLAIMING THAT THEY BOUGHT MY DEBT FROM SOMEONE ELSE BUT HAS NOT BEEN ABLE TO PROVE TO ME THAT THEY LEGALLY OWN MY SO-CALLED DEBT FOR OVER 3 YEARS WHILE STILL REPORTING TO CREDIT BUREAUS. WHO OWNS THIS DEBT?? THESE COMPANIES ARE ATTEMPTING TO GET MONEY FROM ME BUT NO ONE IS LEGALLY PROVING TO ME THIS DEBT IS MINE. THIS IS WRONG AND CAN NOT BE LEGAL!!!! SHEPHARD OUTSOURCING NEEDS TO IMMEDIATELY PROVE TO ME THAT THEY ARE LEGALLY ABLE TO COLLECT THIS DEBT. ACCORDING TO 15 U.S CODE 1692G, I AM IMMEDIATELY REQUESTING 1 ) A COPY OF THE ORIGINAL CONTRACT BEARING MY SIGNATURE THAT I SIGNED FOR THIS DEBT. 2 ) A DETAILED LIST OF MY HISTORY OF PAYMENTS 3 ) PLEASE PROVIDE ME WITH THE NAME AND THE ADDRESS OF THE ORIGINAL CREDITOR. I ALSO WANT TO SEE IF THERE HAS BEEN ANY INSURANCE CLAIM FILLED ON THIS DEBT. 4 ) PLEASE PROVIDE ME THE PURCHASE AGREEMENT!!…

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Shepard Outsourcing called me and said they were trying to collect a debt that im not affiliated with. They told me that their client XXXX XXXX had hired them to collect a business debt that had no personal guarantees. They tried to collect from me by asking me for my information as well as asking for my Husband 's personal info.

I need Help with XXXX XXXX which is trying to collect a debt that I paid to XXXX XXXX in XXXX GA on XX/XX/year>. This payment was {$2000.00}. I have a copy of my credit Card statement showing that I paid it. It was the differenct from a Repo of a XXXX XXXX that got sold and the difference was that amount. I do need help with this so I can get it off my credit and have this setteled with the debt collector. I do not have a copy of the receipt for the payment all I have is the credit card statemment.

The collection company was told to stop via text message on XX/XX/XXXX and on XX/XX/year> The collection agency called my phone verified my information and attempted to collect a debt that is out of statue disputed and not on my credit report. they also did not give the mini Miranda and made me repeat my self when telling them that it was not a valid debt that it was disputed an out of statue in hopes to reset the clock on a never valid debt!

Here is the text I keep receiving. ( see below ) This text is from Shepherd Outsourcing, a debt collector regarding your THE XXXX XXXX MISSOURI ( XXXX CREDIT CARD - for which the current creditor is XXXX XXXX XXXX XXXX ) account. Visit https : XXXX. Reply stop to opt-out or call XXXX. # of messages varies. Message & data rates may apply. This is an attempt to collect a debt and any information obtained will be used for that purpose. License Number XXXX SO Ref # XXXX Reply STOP to opt out. I called furtive and they don't find an account. They said to look up my credit report and get the info there and then dispute it.

OFFICIAL NARRATIVE Filed by : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Against : XXXX XXXX XXXX XXXX XXXX ( collection agency ) Related creditor : XXXX Advance Issue type : Debt collection threats, harassment, false representations COMPLAINT DESCRIPTION XXXX XXXX XXXX XXXX XXXX XXXX, XXXX is a small healthcare provider that has experienced severe financial hardship following the termination of its XXXX XXXX XXXX XXXX provider agreement and the resulting loss of XXXX revenue. XXXX XXXX XXXX XXXX XXXX, acting as a third-party collection agency for XXXX XXXX XXXX has engaged in false, deceptive, and abusive debt-collection practices, including written threats of immediate asset seizure, forensic audits, IRS notification, Secretary of State filings, and on-site investigations without any court judgment or lawful authority.…

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I got a debt collection text from a company name Shepherd Outsourcing said they bought my debt. I clicked the link they gave to their website portal. Gave my last 4 snn numbers and date of birth. Then a number appeared on the screen. Site said call the number to continue. I called the number and it was not in service. I received the text on XX/XX/year> at XXXX