Who is 6512730795 (+ how are they hurting my credit score)

The phone number 651-273-0795 appears to be linked to a scam. Many reports indicate calls from this number pretending to be from United Healthcare, often trying to get personal information like your last name and year of birth. These calls are likely phishing attempts aimed at stealing your identity or financial information.

You should not engage with the caller, whether the call is legitimate or a scam. Instead:

• Block the number to avoid further contact.
• Check your credit report for any inaccuracies.
• Contact The Credit Pros for help in verifying any debt and disputing inaccuracies.

Remember, you don’t have to pay any debt immediately, especially if you have doubts. Stay informed and take steps to protect your personal information.

To sum up, if you receive a call from 651-273-0795, block the number, check your credit report, and seek help from a reputable credit repair service to protect your information.

How Do I Stop 6512730795 from Harassing Me (How to Report Them)

If you're being harassed by 6512730795, here’s how to stop them and report the harassment:

First, you should document every unwanted interaction. Keep a detailed log of each call, including the date, time, and any abusive language.

Next, register your number at DoNotCall.gov, which takes just 2 minutes. Block the number through your phone's call-blocking feature, or contact your service provider for assistance.

Consider escalating measures if the harassment persists:
- Restraining Order: If necessary, obtain a restraining order to legally prevent them from contacting you.
- Harassment Lawyer: Hire a harassment lawyer to guide you through the legal process.
- Cease and Desist Letter: Use the template at eforms.com/cease-and-desist to send a cease and desist letter.

You can also use call-blocking apps for additional protection:
- For Android: 'Call Blocker - Stop spam calls'
- For Apple: 'Robokiller: Spam Call Blocker'

Report the number to the Federal Communications Commission (FCC) if it's an illegal robocall or if your number is being spoofed at fcc.gov/complaints.

Additionally, you can report telemarketing calls or disregard of the Do Not Call Registry to the Federal Trade Commission (FTC) at ReportFraud.ftc.gov or DoNotCall.gov.

To report harassment to the Consumer Financial Protection Bureau (CFPB):
- Document all interactions.
- Submit a complaint online at consumerfinance.gov/complaint.
- Call the CFPB at (855) 411-2372.
- Mail a letter to CFPB at 1700 G Street, NW, Washington, DC 20552.

If you use Nomorobo, report unwanted robocalls through their service.

Finally, contact your phone carrier to explore their call-blocking tools and options. Check with local or state consumer protection offices for additional resources.

To wrap things up, by documenting the harassment, using call-blocking tools, and reporting the number to the appropriate authorities, you can effectively stop 6512730795 from harassing you and take control of the situation.

You should block the number 6512730795. Ignoring the calls might work temporarily, but blocking is more effective in stopping them entirely. If the number is from a debt collector and you feel harassed, blocking is the best choice.

Blocking or ignoring the number won't affect your credit score. If this debt already appears on your credit report, blocking the number won't make it worse. To address any inaccuracies or disputes, you should contact a reputable credit repair company. They can help you remove negative items and improve your credit.

Here's what we advise you to do next:

• Block the number to stop the calls.
• Reach out to a reliable credit repair company for help with disputes or inaccuracies.
• Monitor your credit report to ensure no new negative entries appear.

In the end, blocking 6512730795 is the smartest way to reduce stress and handle this situation effectively.

Yes, a debt collector like 6512730795 can sue you, but it's very unlikely. Suing is typically the last resort and happens only if the debt is substantial, often over $5,000.

Debt collectors must prove you owe the debt, the amount is correct, and they have the legal right to sue. This can be difficult, especially if the debt has changed hands multiple times. Suing is expensive and time-consuming, so many collectors prefer to settle out of court. Each state has a specific time frame in which a debt collector can sue you. If the debt is too old, you might be beyond this period, making a lawsuit less likely.

Debt collectors usually prefer methods like calls and letters to collect. If they do decide to sue, you’ll receive a court summons and must respond to avoid a default judgment, which could lead to wage garnishment or bank account levies.

You have rights under the Fair Debt Collection Practices Act (FDCPA) to protect you from abusive practices. If served with a lawsuit, consider consulting with an attorney for advice and possible defenses.

As a final point - remember that it's rare for debt collectors to sue. They must prove the debt, face costs, and deal with legal time limits. If sued, respond to avoid default judgment. You have rights to protect you, so consulting an attorney is a wise step.

You might get a call from 6512730795 claiming to have your personal info. Don't give them any details. Ideally, don't even answer their call. Scammers often use limited info they already have to seem legitimate. If you answer, you might encourage more calls.

Here's what we advise you to do:
• Hang Up Immediately: If they ask for your bank details or any financial info, hang up right away.
• Don't Provide Any Personal Information: Never verify your name, address, or any other details.
• Get Your 3-Bureau Credit Report: Obtain your credit reports from Experian, Equifax, and TransUnion. This helps you see if there’s anything suspicious.
• Work with a Reputable Credit Repair Company: They can help detect fraud and repair any damage. They’re experienced and have resources to handle disputes and inaccuracies on your credit report.

Bringing it all together – hang up immediately, avoid sharing personal details, check your credit reports, and work with a trusted credit repair company to protect your information and credit health.

6512730795 is a number used by debt collectors who recover various types of debt such as credit card debt, auto loans, personal loans, and medical bills. They may collect these debts directly or purchase them from original creditors.

You should always verify the debt before making any payments and understand your rights under the Fair Debt Collection Practices Act.

All things considered, make sure you confirm the legitimacy of any debt and know your rights to protect yourself from unfair practices.

To check if you owe money to 6512730795, you should follow these steps:

First, avoid directly calling 6512730795. Engaging with them might restart the statute of limitations on old debts.

Next, review your personal records. Look through your outstanding bills, account statements, and receipts to see if anything matches.

You should then check your credit reports. You can get free credit reports from the major credit bureaus to see if any debts are listed.

If a debt connected to 6512730795 appears on your credit report, request debt validation from the collection agency. This ensures that the debt is legitimate and accurate.

Lastly, if you face harassment or disputes, consider consulting a consumer protection lawyer for guidance.

Lastly, remember to avoid direct calls, review your records, check your credit reports, request debt validation if needed, and seek legal help if necessary to handle any issues.

If you're dealing with debt collection from 6512730795, you're protected by several laws and regulations.

First, the Fair Debt Collection Practices Act (FDCPA) is the main federal law. It prohibits third-party debt collectors from using abusive, deceptive, or unfair practices. They can’t contact you before 8 AM or after 9 PM, call you at work if your employer prohibits it, use abusive language, threaten violence, harass you with repeated calls, falsely represent themselves, disclose your debt to third parties, or demand more than you owe. They must also send you a written validation notice about the debt and stop collection if you dispute it in writing within 30 days until they verify the debt.

Many states have additional laws that provide extra protections. For example, New York requires debt collectors to follow strict licensing rules. You also have the right to demand that a debt collector stop all communication by writing to them. If you have an attorney, they must communicate through your attorney.

If the debt collector violates these laws, you can sue them within one year for damages plus attorney fees. You can also report violations to the FTC, CFPB, state attorney general, and other authorities for enforcement actions.

Finally, these protections ensure that debt collection activities are conducted fairly, allowing you to handle the situation with less stress and more control.

Yes, United Healthcare (UHC) has faced several lawsuits. Here are notable ones related to their practices:

- Class Action Suit on Plan Fund Diversion: UHC is accused of diverting over $1 billion annually from private employer health plans to settle unrelated disputes through cross-plan offsetting.
- Algorithm-Based Care Denial: Filed by the Clarkson Law Firm, this lawsuit claims UHC used a faulty algorithm to deny rehabilitation care to Medicare Advantage patients, leading to systematic claim denials.
- State Penalty for Mental Health Coverage Disparities: Minnesota regulators fined UHC $450,000 for failing to comply with laws ensuring equal access to mental health services as medical treatments.
- Cross-Plan Offsetting Practice: In the case of Peterson v. UnitedHealth Group, UHC faced accusations of using cross-plan offsets to improperly move funds between plans, violating ERISA regulations.

These lawsuits address financial practices and denial of care, showcasing regulatory and consumer challenges faced by UHC.

In closing, these examples illustrate the serious legal challenges United Healthcare (UHC) has faced, highlighting issues from financial discrepancies to care denial practices. It's crucial that you stay informed about these developments.

People online have mixed opinions about the phone number 651-273-0795.

Some users on Robokiller identify it as a legitimate nurse line or insurance company, with comments like:
- 'My insurance company' (January 20, 2022)
- 'Nurse line' (July 1, 2022)

However, others suspect it is a scam or phishing attempt:
- 'Possible identity theft. Knew my employer. Phishing attempt pretending to be a nurse through 'United Healthcare'.' (October 21, 2021)
- 'Fake United Healthcare impersonation insurance scam by criminals phoning from the Philippines' (August 5, 2021)
- Investigator FTC DNC Spamlist on Tellows: 'Calls pretending to be government, businesses, or family and friends.'

If you receive a call from this number, verify the caller's identity and avoid sharing personal information unless you're confident they're legitimate.

Overall, feedback on 651-273-0795 is mixed; some users find it to be linked to legitimate healthcare services, while others suspect it of being a scam. Always stay cautious and verify who you're speaking with.

Yes, you should remove 6512730795 from your credit report if it's there and you determine it's potentially inaccurate. To do this, follow these steps:

First, confirm that the collection is indeed on your credit report. Next, check if the collection is potentially incorrect. It's essential not to rely on typical credit repair companies, as they can be unreliable. While disputing inaccuracies yourself is an option, it can be time-consuming and exhausting.

Instead, we advise you to consider a reputable company like The Credit Pros. They can effectively manage potentially inaccurate negative items on your report, saving you time and ensuring better results.

As a final point, remember it's crucial to ensure your credit report is accurate. Check for the collection, assess its accuracy, and consider working with a trustworthy credit repair company to keep your financial health in check.

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Every number you see below is separate number that ‘Collection’ uses to attempt to collect a potentially inaccurate debt on your credit report and/or spam you.

• 8067622090
• 4176277990
• 8882969476
• 8665730905
• 6026272204
• 6512730795
• 8884417563
• 8667383531
• 6782506354
• 2142724926
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• 2146468995