Consumer complaint received 2024-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Shepherd Outsourcing, LLC
State: HI

Complaint narrative:
XX/XX/XXXX Shepherd Outsourcing , LLC XXXX XXXX XXXX | XXXX, SC XXXX Monday Friday, XXXX XXXX EST XXXX TTY : XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Shepherd Reference : XXXX Shepherd Outsourcing , LLC is a debt collector. We are trying to collect a debt that you owe to XXXX XXXX XXXX. We will use any information you give us to help collect the debt. 

Our Information Shows : The current creditor is XXXX XXXX XXXX with account number XXXX. The creditor as of XX/XX/XXXX was XXXX  XXXX XXXX, XXXX The original creditor was XXXX  XXXX XXXX, XXXX. with account number XXXX. 
As of XX/XX/XXXX, you owed : {$8900.00} Between XX/XX/XXXX and today : You were charged this amount in interest : + {$0.00} You were charged this amount in fees : + {$0.00} You paid or were credited this amount toward the debt : - {$0.00} Total amount of debt now : {$8900.00} How can you dispute the debt? 

Call or write to us by XX/XX/XXXX, to dispute all or part of the debt. If you do not, we will assume that our information is correct. 
If you write to us by XX/XX/XXXX, we must stop collection on any amount you dispute until we send you information that shows you owe the debt. You may use the form below or write to us without the form. You may also include supporting documents. We accept disputes electronically via email at XXXX. 
What else can you do? 

Write to ask for the name and address of the original creditor, if different from the current creditor. If you write by XX/XX/XXXX, we must stop collection until we send you that information. You may use the form below or write to us without the form. We accept such requests electronically via email at XXXX. 
Go to www.cfpb.gov/debt-collection to learn more about your rights under federal law. For instance, you have the right to stop or limit how we contact you. 
Contact us about your payment options. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

If mailing : Print and Mail this form to : Shepherd Outsourcing , LLC XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX How do you want to respond? 

Check all that apply ( if printing and mailing ) or click on all hyperlink ( s ) that apply : I want to dispute the debt because I think : XXXX This is not my debt. 
The amount is wrong. 
Other ( please describe on reverse or attach additional information ). 
I want you to send me the name and address of the or original creditor. 
XXXX I enclosed this amount : $ __________________ Make your check payable to Shepherd Outsourcing , LLC. Include the reference number XXXX. 
XXXX XXXX XXXX XXXX XXXX 
XXXX OPTION 1 OPTION 2 You may resolve your account for {$2600.00}. To accept, make your payment by calling us at XXXX or visit our online payment portal at http : //www.portal-shepherdoutsourcing.com. We are not obligated to renew this offer. 
You may resolve your account in three payments for {$3100.00} by making two payments of {$1000.00} and a final payment of {$1000.00}. To accept, make your payment by calling us at XXXX or visit our online payment portal at http : //www.portal-shepherdoutsourcing.com. We are not obligated to renew this offer. 
The offers listed above are not your only options. If you are unable to accept one of the offers, we can work with you, regardless of your current financial position. Please contact our office or visit http : //www.portal-shepherdoutsourcing.com to review your options. 

These offers do not affect your right to dispute this debt or request validation of this debt. 

The law limits how long you can be sued on a debt. Because of the age of your debt, XXXX XXXX XXXX can not sue you for it and XXXX XXXX XXXX can not report it to any credit reporting agency.1 Even if the statute of limitations has expired, you may choose to make payments on the debt. However, be aware : if you make a payment on the debt, admit to owing the debt, promise to pay the debt, or waive the statute of limitations on the debt, the time period in which the debt is enforceable in court may start again. 

PRIVACY NOTICE This Privacy Notice is being provided on behalf of each of the following related companies ( collectively, the XXXX XXXX ). It describes the general policy of the XXXX XXXX regarding the personal information of customers and former customers. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Information We May Collect. The XXXX XXXX may collect the following personal information : ( 1 ) information that we receive from your account file at the time we purchase or begin to service your account, such as your name, address, social security number, and assets ; ( 2 ) information that you may give us through discussion with you, or that we may obtain through your transactions with us, such as your income and payment history ; ( 3 ) information that we receive from consumer reporting agencies, such as your creditworthiness and credit history, and ( 4 ) information that we obtain from other third party information providers, such as public records and databases that contain publicly available data about you, such as bankruptcy and mortgage filings. All of the personal information that we collect is referred to in this notice as collected information. 

Confidentiality and Security of Collected Information. At the XXXX XXXX, we restrict access to collected information about you to individuals who need to know such collected information in order to perform certain services in connection with your account. We maintain physical safeguards ( like restricted access ), electronic safeguards ( like encryption and password protection ), and procedural safeguards ( such as authentication procedures ) to protect collected information about you. 

Sharing Collected Information with Affiliates. from time to time, the XXXX XXXX may share collected information about customers and former customers with each other in connection with administering and collecting accounts to the extent permitted under the Fair Debt Collection Practices Act or applicable state law. 

Sharing Collected Information with Third Parties. The XXXX XXXX do not share collected information about customers or former customers with third parties, except as permitted in connection with administering and collecting accounts under the Fair Debt Collection Practices Act and applicable state law. 

XXXX XXXX XXXX XXXX If you'd rather not receive future e-mails, please opt-out here. 

Please do not reply to this message to opt out. 
This is a notification-only email that can not accept incoming replies.

Company response to consumer: Closed with explanation