231-946-1575

231-946-1575, "Jane Clark" this is for CORE RECOVERY BUREAU, a debt collector based out of Traverse City, Michigan. 424 East Front Street / PO Box 389, Traverse City, MI 49685 Phone: (231) 947-7260 Fax: (231) 947-4320.

Please note that debt collectors, when notified, have to cease and desist communications with you at the numbers you provide (i.e. work, etc....they are allowed to contact you only 1 time after the notice). This is pursuant to the Fair Debt Collection Practices Act!!!

its the merchant association debt collections division. add this number to your blocked callers list. They call with a recording please wait for next representative. Are you serious? You call ME then tell me to hold until someone is available??? [***]. DO NOT ANSWER.

some lady called and said it was a personal matter, no company name provided, and asked for my birthdate to confirm that they had the right person....UH NO

I got the same thing about personal matter and ask my birthdate.  No thank you.  I have absolutley no debt.

A lady called saying it was a personal matter and wanting me to varify my date of birth to continue. Her name was Teresa.. I hung up after that and blocked the number

When answered they knew my name and immediately asked for my social security number and address. I asked who they were and they said Sherlock Inc. I repeated it and they said correct and said they had to verify they had the right person. I said I’ve never heard of them and she said we’ve sent three letters and called 12 times. Nope. No you haven’t. I told her I would research the company and hung up.

The only company I can find that is close to that name is Sherlock Company, Inc.  which is a health care management company and not a debt collector from what I can see.  However they are listed on LinkedIn as a financial services company which is confusing.

Amazing how they "sent three letters" and you never received one, which tells me they are lying.

Found them.  Spelling is Sherloq Solutions and they are located in Michigan and Florida.  More to come.

You will need to send them a certified, return receipt debt validation (by law they have to go back to the original creditor to prove you owe the debt), cease and desist calling, or "not me" letter (this will be the best money that you have ever invested).  Also send it first class mail in case no one will sign for it.  Make a notation of that fact at the bottom of the letter.  You also need to report them to the proper agencies to which I have provided links to.  Then you need to go out and get a consumer lawyer to sue them on a contingency basis (no money out of your pocket) and let them pay you for the harassment.  If everyone did these three things, these crooks would be bankrupt, and we would all be the richer for it.  Use these web sites to find an attorney in your state that will probably take the case on a contingency basis (no money out of your pocket up front):  http://www.consumeradvocates.org/
http://www.consumeradvocates.org/find-an-atto ... tates_value=All

Everything else you need to know follows including at least two or more federal and state agencies where you should report their criminal activities.

MERCHANTS ASSOCIATION COLLECTION DIVISION, INC. FORMERLY CORE RECOVERY BUREAU AND NOW USING SHERLOQ SOLUTIONS, INC. AKA SHERLOQ FINANCIAL

Number threads associated with these crooks:  https://800notes.com/Phone.aspx/1-231-946-1575

Website for Core says they were bought by Merchants.
Website for Merchants indicates they are using the Sherloq name and gives PO Boxes in Florida and Michigan:  https://sherloqsolutions.com/contact-us/
Whois.com info on the above website indicates and street address and a name:
Domain Name: SHERLOQSOLUTIONS.COM
Registry Domain ID: 1718044557_DOMAIN_COM-VRSN
Registrar WHOIS Server: whois.godaddy.com
Registrar URL: http://www.godaddy.com
Updated Date: 2019-05-05T18:12:35Z
Creation Date: 2012-05-04T16:04:42Z
Registrar Registration Expiration Date: 2020-05-04T16:04:42Z
Registrar: GoDaddy.com, LLC
Registrar IANA ID: 146
Registrar Abuse Contact Email: abuse@godaddy.com
Registrar Abuse Contact Phone: +1.4806242505
Domain Status: clientTransferProhibited http://www.icann.org/epp#clientTransferProhibited
Domain Status: clientUpdateProhibited http://www.icann.org/epp#clientUpdateProhibited
Domain Status: clientRenewProhibited http://www.icann.org/epp#clientRenewProhibited
Domain Status: clientDeleteProhibited http://www.icann.org/epp#clientDeleteProhibited
Registry Registrant ID: Not Available From Registry
Registrant Name: Al Giparas
Registrant Organization:
Registrant Street: 134 S Tampa St
Registrant City: Tampa
Registrant State/Province: Florida
Registrant Postal Code: 33602
Registrant Country: US
Registrant Phone: +1.8132737764
Registrant Phone Ext:
Registrant Fax: +1.8132773676

BBB gives Merchants a A rating with 19 complaints and 1 negative reviews.  What is interesting is the first complaint says that they did not try to collect the debt yet they removed it from the complainant’s credit report which would be impossible for them to legally do:  https://www.bbb.org/us/fl/tampa/profile/colle ... -inc-0653-20907

Michigan Dept. of State info:
ID Number: 801063394

Summary for:  MERCHANTS ASSOCIATION COLLECTION DIVISION INC.
The name of the FOREIGN PROFIT CORPORATION:   MERCHANTS ASSOCIATION COLLECTION DIVISION INC.

Entity type:   FOREIGN PROFIT CORPORATION
Identification Number: 801063394     Old ID Number: 60512D

Date of Qualification in Michigan:   12/17/2012

Incorporated under the laws of: the state of Florida
Purpose:

Term: Perpetual

Most Recent Annual Report: 2019     Most Recent Annual Report with Officers & Directors:   2019

The name and address of the Resident Agent:
Resident Agent Name:    CSC-LAWYERS INCORPORATING SERVICE (COMPANY)
Street Address:    601 ABBOT ROAD
Apt/Suite/Other:
City:     EAST LANSING     State:     MI     Zip Code:     48823
Registered Office Mailing address:
P.O. Box or Street Address:
Apt/Suite/Other:
City:        State:        Zip Code:

The Officers and Directors of the Corporation:
Title    Name    Address
PRESIDENT    CHARLES ERIK GREER    134 SOUTH TAMPA STREET TAMPA, FL 33602 USA
TREASURER    AL GIPARAS    134 SOUTH TAMPA STREET TAMPA, FL 33602 USA
SECRETARY    AL GIPARAS    134 SOUTH TAMPA STREET TAMPA, FL 33602 USA
DIRECTOR    WILLIAM DOUGLAS    134 SOUTH TAMPA STREET TAMPA, FL 33602 USA
DIRECTOR    MICHAEL KILGORE    134 SOUTH TAMPA STREET TAMPA, FL 33602 USA
DIRECTOR    DEBORAH MACAURTHUR ANDER    134 SOUTH TAMPA STREET TAMPA, FL 33602 USA

Michigan requires a debt collector to be licensed but does not allow searches anymore.

Florida Dept. of State info:

SHERLOQ SOLUTIONS, INC.
Filing Information
Document NumberP12000056666 FEI/EIN Number36-4738168 Date Filed06/22/2012 StateFL StatusACTIVE Last EventNAME CHANGE AMENDMENT Event Date Filed03/04/2013 Event Effective DateNONE
Principal Address
134 SOUTH TAMPA STREET
TAMPA, FL 33602
Mailing Address
134 SOUTH TAMPA STREET
TAMPA, FL 33602
Registered Agent Name & Address TARTAGLINO, LARRY
134 SOUTH TAMPA STREET
TAMPA, FL 33602

Name Changed: 09/04/2014
Officer/Director Detail Name & Address

Title President

Greer, Charles E
134 SOUTH TAMPA STREET
TAMPA, FL 33602

Title VP, Secretary, Treasurer

Giparas, Albertas
134 SOUTH TAMPA STREET
TAMPA, FL 33602

Title DIRECTOR

KILGORE, MICHAEL
134 SOUTH TAMPA STREET
TAMPA, FL 33602

Title Director

MacArthur Anderson, Deborah
134 SOUTH TAMPA STREET
TAMPA, FL 33602

Title Director

Douglas, William
134 SOUTH TAMPA STREET
TAMPA, FL 33602

MERCHANTS ASSOCIATION COLLECTION DIVISION INC.
Filing Information
Document Number212334 FEI/EIN Number59-0832248 Date Filed06/01/1958 StateFL StatusACTIVE
Principal Address
134 SOUTH TAMPA STREET
TAMPA, FL 33602

Changed: 03/19/2015
Mailing Address
PO BOX 972
TAMPA, FL 33602

Changed: 03/19/2015
Registered Agent Name & Address Cole, William Gene
134 SOUTH TAMPA STREET
TAMPA, FL 33602

Name Changed: 03/06/2019

Address Changed: 09/04/2014
Officer/Director Detail Name & Address

Title President

Greer, Charles E
134 S TAMPA ST
TAMPA, FL 33602

Title Director

MACARTHUR ANDERSON, DEBORAH
134 SOUTH TAMPA STREET
TAMPA, FL 33602

Title VP, Treasurer, Secretary

Giparas, Albertas
134 SOUTH TAMPA STREET
TAMPA, FL 33602

Title Director

DOUGLAS, WILLIAM
134 SOUTH TAMPA STREET
TAMPA, FL 33602

Title Director

KILGORE, MICHAEL
134 SOUTH TAMPA STREET
TAMPA, FL 33602

Floridia Collector’s License:
Name:     MERCHANTS ASSOCIATION COLLECTION DIVISION INC
Doing Business As:     SHERLOQ FINANCIAL
License Type:     Consumer Collection Agency
License Status:     Current Active Registration
License Status Effective Date:     12/12/2018
Expiration Date:     12/31/2019
Original Date of Licensure:     02/26/2003
Addresses
Business Main Address     Address     134 S TAMPA ST
TAMPA , FL
HILLSBOROUGH
33602
US
View on a map

    Phone Number:     8002266188

Mailing Address     Address     PO BOX 2842
TAMPA , FL
HILLSBOROUGH
33601
US

Merchant’s has been sued lots and lots of times which is probably why they changed names and addresses.

It is incumbent upon them under the law to prove that the debt exists and that you owe it, and (this is the important part) that they have the legal right to collect it.  You are not obligated under the law to prove that you don’t owe or that it is paid.  

Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) postmarked within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt. It also must contains “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes.  The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified.  If and when you get that letter you should immediately send that debt validation letter by certified, return receipt mail.

First, you should make a complaint at this Federal Agency, and while there you should also read up on how debt collection is supposed to work as well as what your rights in this matter are: https://www.consumerfinance.gov/

Also file complaints with the FTC: https://www.ftccomplaintassistant.gov/#crnt&panel1-1

Also file a complaint with your State Attorney General's office.
List of State AG’s offices:   https://800notes.com/faq/attorney-general

Also file a complaint with the Florida AG’s Office:  http://myfloridalegal.com/

And the Florida Dept. of Financial Regulation:  https://www.flofr.com/sitePages/FileAComplaint.htm

Also file a complaint with the Michigan Dept. of Licensing and Regulatory Affairs: http://www.michigan.gov/documents/lara/LCE-992_474650_7.pdf

Sherlock himself could not have got the dox any better than what you got on Sherloq!  That is an outstanding rundown.  I found this thread that retlates:
https://800notes.com/Phone.aspx/1-800-749-7710/7
Searches under the confusable name of "Sherlock" will take some work to wade through. Sneaky outfit, worth keeping an eye out for.

The first poster in this thread really helped a lot even though that name is no longer in use I could use it to follow the bread crumbs so to speak.

This company contacted my daughter, and on the voicemail they left, someone whispers, "go to hell."

This number calls repeatedly offers no information about who is calling and has tried to collect my information. They seemingly won’t send a letter or leave a voicemail

Keeps calling.

They keep calling. It’ll ring one time and disconnect. I called back, and they requested personal information. No thank you. Blocked.