Williams, Rush & Associates, LLC

I have never done any business with WILLIAM RUSH, LLC in any way and do not legally owe any debt to this company/organization. I am filing this complaint regarding unauthorized bank withdrawals, misrepresentation of a debt, and improper collection activity. I authorized a one-time payment to XXXX XXXX XXXX by phone on XX/XX/XXXX. However, my bank notified me that the company initiated additional ( unauthorized ) withdrawals from my account on XX/XX/XXXX and XX/XX/XXXX for uncontracted and unauthorized amounts. I disputed these transactions with XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX and the bank issued me new cards after verifying the " one-time '' payment option was selected. During that communication, I was informed that my account would be considered satisfied and closed by " adjustment '' due to breach of agreement and EFT violation. Based on that representation, I did not pursue legal action at that time.…

I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information.…

I am providing an update to my complaint. XXXX I sent a written debt validation request to Williams Rush & Associates and have not received any response or documentation validating this debt. Despite this, the account continues to be reported on my XXXX credit report and has recently been marked as verified and updated. No explanation or documentation has been provided to support this verification. This debt is disputed due to failure of services by XXXX. I paid a total of {$510.00}, returned the aligners, and never received replacement aligners or completed treatment. The continued reporting of this account without proper validation or investigation is inaccurate and causing harm. I am requesting immediate deletion of this account and written confirmation, as the debt has not been validated and can not be verified.

Numerous calls and messages in reference to a family member who allegedly owes debt. Culminating is a threatening message stating service of process in the matter on my domicile. Upon contacting XXXX and associates they fraudulently made the claim the family member lived at my address. I challenged that allegation and they hung up. Twenty minutes later I got another threatening identical message making the same claim. Called again and disputed the information and the agent hung up. Be advise they are trying to locate my brother who never lived at my residence and in fact I have not seen for twenty five years. Note my wife has been getting these threats as well.

I called williams rush and associates today XX/XX/scrub>XXXX in regards to the validity on a debt that was shown on my credit report as of XX/XX/year>. Upon requesting this information and requesting documentation verifying that this company is legally allowed to collect the debt I was met with a rude woman that called me a XXXX lawyer and started using abuse tactics. I also stated that she had the wrong email address and the incorrect mailing address and did not allow me to update any of that information so I am now unable to receive those documents.

I recently pulled my credit report and found that a collection agency, William Rush & Associates, has reported a debt that I do not recognize. I was never notified about this alleged debt or given an opportunity to dispute it. I checked with XXXX XXXX XXXX XXXX XXXX and confirmed that William Rush & Associates is not licensed to collect debts in the state of Florida, where I live. Despite this, they placed a collection on all three credit bureaus for a company called XXXX in the amount of {$2100.00}. When I researched XXXX, I found that it is an online company that does not list a physical address, which prevents me from sending a written dispute of the debt.

XXXX years ago I went to XXXX for just XXXX session and the next day I had an allergic reaction and called them and said my XXXX wouldn't allow me to continue with XXXX and cancel my package. I had also already paid them about a XXXX dollars and they said the first service was free for new customers. They said they would do a cancel but after a few years I recently had a collection on my credit report for this clinic. They had taken a few signatures from me but they didn't say they would involve another company. I had not received any service that I don't have to pay to this company for nothing.

On XX/XX/XXXX, I received an email from William Rush and Associates about a debt for {$490.00} debt with the original creditor purchasing power. This is the fist time I received any notification about the debt, on XX/XX/XXXX, I sent an email to request a debt validation. I have also called the customer number provided multiple times that day and no one answered. On XX/XX/XXXX, I received a notification that William rush and associates added the collections to my credit report. This is illegal and malicious practices.

I sent them an email on XX/XX/XXXX and they didn't respond. I sent a follow up email on XX/XX/XXXX requesting the same information as the prior email and they responded today on XX/XX/XXXX. Below is the email thread. ' MY FIRST EMAIL : XXXX On XX/XX/XXXX, at XXXX, XXXX XXXX XXXX wrote : > > > > To Whom It May Concern, > > I recently discovered a collection account reported by your company, William Rush & Associates , on my credit report for approximately {$1800.00} with XXXX listed as the original creditor. > > I dispute this debt and request full validation. > > Please provide the following documentation : > > A copy of the signed agreement showing I agreed to purchase treatment or financing > Documentation showing the amount owed and how it was calculated > Proof that your company has the legal right to collect this debt > The date of first delinquency associated with this account.…

My husband and fathers phones were called today XX/XX/XXXX from Williams and associates requesting that I call them back. I did call back and spoke to 3 different people who threatened me with serving me papers to take me to court and place a lien on my home. All three people hung up on me when I tried to get information. They all have my most recent phone number and address. They are calling my family for the purpose of intimidation and harassment.They all were combative, threatening and extremely rude. They have been harassing me since XX/XX/XXXX using different names for their agencies. They have used the following names : Star point pre litigation services, Resolve first financial, Williams and associates. This debt is from XXXX and is past the statute of limitations. It has been charged off from XXXX credit card. The phone number they called my family from is XXXX.

I am filing a complaint regarding debt collection practices by Williams Rush & Associates in connection with an alleged collection account reported on my credit report. On XX/XX/XXXX, I received a notification on my Experian account that stated " WILLIAMS RUSH & ASSOCI has flagged your account as Collections on XX/XX/XXXX. '' On XX/XX/XXXX, I sent certified mail with a dispute to the Experian, and Williams Rush & Associates collection agency requesting documentation and verification of the debt, including the name and address of the original creditor, the amount of alleged debt including an itemized accounting, documentation bearing my signature or other proof that I agreed to this debt, and proof that Williams Rush & Associates has the legal authority to collect and report this account. Certified mail tracking confirms delivery on XX/XX/XXXX. The Experian dispute results came back as " Verified and Updated ''.…

The doctors office reported this erroneously to debt collectors who attempted to collect on a debt for an appointment I did not set or agree to, and when I received digital notification of the appointment, the office was unavailable to cancel the appointment for me. I can pay the amount, it's not about the money. It's about a bad office manager charging over and over again ( per business reviews ), and then using XXXX XXXX companies like this to collect debts. They blatantly misrepresented the claim and the impact during our phone call.This is abuse of the American legal system to profit for the sake of a few really gross and indecent human beings.

Was informed about the debt which I personally choose to be disputed it was not offered claiming the debt was taken over by different company and I can not depute the wrong amount and the fact that I had created a XXXX complaint due to company changing terms and conditions on their own behalf and not legally documenting it then was notified about the original debt getting transferred over to somebody else which was not the company that notified me then another company had called me with the third-party claiming they need my address, not claiming what it was for what was going on. So I took the info to look into it I contacted whoever was originally trying to get to me that was XXXX and they asked me.…

Validation of Debt Request - WILLRUSH/SMILEDIRECTCLUB LLC - WRA XXXX XXXX XXXX XXXX * XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Validation of Debt Request - WILLRUSH/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

I dispute this account under reason code XXXX ( no verification ). I have not received original documentation proving the debt or assignment of the account. Collection calls continued despite my request for validation. I request investigation and verification. If verification can not be provided, I request correction of the account.

XXXX. Mischaracterization of the Contractual Parties Your statement that XXXX served as the financing entity under the agreement is contradicted by the written contract governing this account. The Retail Installment Contract and Addendum state that XXXX XXXX XXXX, XXXX is not a lender, but rather serves solely as a payment processing service provider for XXXX. The contract further identifies XXXX as the XXXX. Accordingly, your representation of XXXX as the financing entity and owner of the debt is inaccurate and misleading. XXXX. Demand for Proof of Standing and Chain of Title To date, you have failed to provide competent evidence that : XXXX, the original creditor, lawfully assigned its rights in this specific account ; XXXX XXXX XXXX, XXXX possessed any ownership interest capable of being assigned ; and Williams , Rush & Associates , LLC holds a valid, documented chain of title establishing lawful authority to collect and to furnish data to consumer reporting agencies for this…

I am writing to formally dispute the following account listed on my credit report : XXXX XXXX XXXX WILLIAMS RUSH & ASSOCIATES Account amount : {$680.00} have no knowledge of this account and do not recognize this debt. I have never received services or communication regarding this matter. This account does not belong to me. Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full investigation and verification of this account. Please provide documented proof that this debt is mine, including : The original signed agreement Proof of services rendered Full account history Proof this account was legally assigned to this collection agency If you can not provide proper validation, this account must be removed from my credit report immediately. Please send me written confirmation of the results of your investigation. Sincerely, XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

I am writing to formally dispute the following account listed on my credit report : Creditor/Collection Agency : WILLIAMS RUSH & ASSOCIATES Account XXXX : XXXX I have no knowledge of this account and do not recognize this debt. I have never received services or communication regarding this matter. This account does not belong to me. Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full investigation and verification of this account. Please provide documented proof that this debt is mine, including : The original signed agreement Proof of services rendered Full account history XXXX this account was legally assigned to this collection agency If you can not provide proper validation, this account must be removed from my credit report immediately. Please send me written confirmation of the results of your investigation. Sincerely, XXXX XXXX XX/XX/82 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Notice of Intent to Sue Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ) I am submitting this complaint because Williams , Rush & Associates , LLC continues to report a debt without providing legally sufficient documentation establishing its authority to collect or furnish this account and repeatedly closes CFPB disputes without resolving the underlying issue. I formally disputed this account and requested validation, including proof of ownership or a valid assignment of the debt demonstrating Williams , Rush & Associates legal right to collect and report the account. In response, the company merely states that it is an authorized and assigned collection agency for XXXX XXXX XXXX, XXXX. No documentation has been provided to support this claim. The original retail installment contract does not list Williams , Rush & Associates , LLC as a creditor, assignee, or authorized agent.…

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> WILLIAMS RUSH & ASSOCIATE XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number - XXXX To Whom It May Concern, This letter serves as a formal follow-up to my previous Debt Validation Request and Cease-and-Desist Notice regarding the above-referenced account. Despite my lawful request made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, your agency has failed to provide proper legal validation of the alleged debt. Instead, you provided a generic billing summary or statement balance, which does NOT constitute proof of debt ownership or legal authority to collect. Your failure to provide the following constitutes noncompliance : XXXX. A copy of the original signed contract or agreement bearing my signature XXXX. A complete chain of title, including all assignments and transfers of the alleged debt XXXX.…

On XXXX XXXX XXXX, I discovered a new collection account from Williams , Rush & Associates for {$1600.00} on my credit report. This was the first time I had any knowledge of this alleged debt. The company has violated 12 CFR 1006.30 ( a ) by reporting this debt to a credit bureau without first communicating with me. I have received no phone calls, no letters, and no emails regarding this account prior to it appearing on my credit file. This practice is known as " Debt Parking '' and is a direct violation of CFPB 's Regulation F. Furthermore, I have not received a Validation Notice as required by 15 U.S.C. 1692g. I have no record of any transaction or contract with the " Original Creditor '' listed. The company has essentially placed a " blind '' collection on my record, causing immediate damage to my credit score without providing me the legal 30-day window to dispute or verify the debt before reporting.…

I am submitting this complaint because Williams , Rush & Associates , LLC continues to report a debt without providing legally sufficient documentation establishing its authority to collect or furnish this account and repeatedly closes CFPB disputes without resolving the underlying issue. I formally disputed this account and requested validation, including proof of ownership or a valid assignment of the debt demonstrating Williams , Rush & Associates legal right to collect and report the account. In response, the company merely states that it is an authorized and assigned collection agency for XXXX XXXX XXXX, XXXX. No documentation has been provided to support this claim. The original retail installment contract does not list Williams , Rush & Associates , LLC as a creditor, assignee, or authorized agent. The company has failed to produce a bill of sale, assignment agreement, servicing agreement, or any chain-of-title documentation.…

Williams Rush & Associates is reporting a collection account related to XXXX with inaccurate information, including account activity and an account opened date reported in XXXX. I have not used XXXX in over six years, and any alleged delinquency occurred well before the dates being reported. The information currently reported does not reflect the true Date of First Delinquency and appears to be an illegally re-aged account. Additionally, on XX/XX/XXXX, Williams Rush & Associates placed a hard inquiry on my XXXX credit report. I did not apply for credit, financing, or any service with this company, nor did I authorize a hard inquiry. As a debt collection agency, they do not have a permissible purpose to conduct a hard inquiry. I have disputed this inaccurate reporting and requested validation. I am filing this complaint because the inaccurate reporting and unauthorized inquiry continue to appear on my credit report.

Erased from XXXX but still on XXXX and XXXX not recognized William and rush

Company name : Williams Rush & Associates Account number : XXXX Amount disputed : {$1800.00} What is the issue? Incorrect information on credit report Debt collection practices Attempting to collect a debt not properly validated Your Complaint Statement ( Paste Below ) : I am submitting this complaint regarding Williams Rush & Associates for reporting and attempting to collect a debt that has not been properly validated, in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The account in question was opened on or about XX/XX/year>, and is being reported as a collection account with a balance of {$1800.00}. To date, Williams Rush & Associates has failed to provide any documentation proving that I am legally obligated to pay this debt.…

WILLIAMS RUSH is falsely reporting on my credit. I have never had any accounts with them. Per my research WILLIAMS RUSH is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

XXXX XXXX. The report, dated XX/XX/year>, falsely alleges a {$430.00} past due balance opened on XX/XX/year>.

WILLIAMS RUSH & ASSOCIis falsely reporting on my credit. I have never had any accounts with them. Per my research WILLIAMS RUSH & ASSOCI is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

On today, XX/XX/XXXX, I was contacted by a representative from XXXX XXXX XXXX XXXX XXXX regarding a debt originally related to XXXX XXXX XXXX XXXX XXXX ). The representative used extreme high-pressure tactics, stating that tomorrow my account would be open and a " opening a claim '' and would " that I could be sued '' if I did not make an immediate payment or have my wages garnished.The representative mentioned that the account was from XX/XX/XXXX. Since this debt is over XXXX years old, I believe it is past the statute of limitations in my state, making their threat to " sue me '' or " garnish my wages '' an even more severe violation of the FDCPA. When I asked for the total amount of the debt and written documentation/validation, the collector refused to provide it, stating they would not provide a full amount, but I could call for it later.…