Product: Debt collection

I have been subjected to SEVERE harassment and abuse by the grossly unethical conduct of Simons Agency , Inc. through their pernicious and nefarious attempts to destroy my credit ratings on entirely fraudulent claims that I owe money to their client, XXXX XXXX XXXX ( now XXXX XXXX ) in New Jersey. Simons is a grossly unethical collection agency that has not only lied, as well as refused to communicate with me, but they are also engaged in repeated attempts to destroy my credit ratings, even after I have prevailed against them in multiple disputes I have filed against them with the credit bureaus, for their entirely fraudulent claims that I owe money. 

I have previously filed multiple complaints against XXXX XXXX with the New Jersey Office of the Attorney General and the XXXX XXXX XXXX, which has given them a rating of XXXX. ( XXXX  XXXX XXXXXXXX ). Attachment 001a, page 2 contains a portion of my complaint against XXXX. As noted, I made countless attempts to deal directly with them but they refused. XXXX XXXX also refused to respond to the XXXX  ( Attachment 001b ). 

Simons Agency acts as XXXX XXXX XXXX  hired guns. Just like their client, Simons engages in grossly unethical conduct, lies, and plays games. I filed against Simons with the XXXX XXXX XXXX on XX/XX/2021. My complaint stated in part, This has been an ongoing problem for more than a year in which XXXX XXXX XXXX ( now XXXX XXXX ) has engaged in billing fraud, has lied repeatedly to me, has refused to communicate with me, and has also refused to respond to the XXXX XXXX XXXX ( I've attached my most recent communication from the XXXX  regarding this fact ). Now, Simons Agency, acting on behalf of XXXX, has maliciously filed not one but TWO negative hits to my credit reports. This is OUTRAGEOUS AS I DON'T OWE ANYTHING TO XXXX. 

I demanded that my credit report be corrected. Simons responded with their nonsense on XX/XX/2021 ( Attachment 002 ). At their behest and also the XXXX, I immediately contacted Simons, via phone and e-mail ( Attachment 003 ), and spoke with XXXX XXXX on XX/XX/2021. Please note that this e-mail outlines many of the relevant dates and some of the multiple attempts I made to get XXXX to stop their abuse. It also demonstrates that I do not owe XXXX any money. 

On XX/XX/2021 and again on XX/XX/2021, the XXXX  requested more information from me. Their XX/XX/XXXX request asked if I had contacted Simons. I immediately responded on XX/XX/2021 via both phone and the XXXX  web site ( Attachment 004 ) ; I noted that not only had Ms. XXXX refused to respond to the my communications with her but that I had given Simons my explicit permission to contact me by phone.

Disgustingly, while Ms. XXXX was refusing to contact me, Simons was engaged in destroying my credit rating with all three credit bureaus on their completely fraudulent claims I owed money to XXXX XXXX XXXX. Of course, I disputed those fraudulent claims. Heres a brief outline of the outcomes of my disputes : 1. XXXX  : Simons has maliciously reported me to XXXX  TWICE for the SAME fraudulent bills! Both times, Ive disputed them and XXXX  REMOVED them TWICE. 

The first set was removed on XX/XX/2021 ( Attachment 005 ). Simons then lied again and I had to dispute the EXACT SAME fraudulent bills again with XXXX. That second set of duplicitous bills were removed on XX/XX/2021 ( Attachment 006 ).

2. XXXX  : XXXX  incompetence is exceeded only by that of Simons Agency Ive spent at least three hours on the phone with them dealing with Simons malicious actions against me because their web site didnt work and they disconnected me after waiting more than an hour. Simons abuse with my XXXX  credit report is similar to the others in that they have filed fraudulent claims for the SAME sets of bills more than once. On XX/XX/2021, XXXX  REMOVED the first set of fraudulent claims while, at exactly the same time, Simons filed NEW fraudulent claims for the SAME bogus bills! It is important to note that between XX/XX/XXXX and XX/XX/XXXX, Simons had TWO SETS OF FRAUDULENT CLAIMS AGAINST ME, FOR THE SAME FAKE BILLS ( Attachment 007 )! Once again, I immediately filed NEW disputes with XXXX. I just learned today ( because XXXX  had NOT notified me of the results of my second set of disputes ) that this time, Simons refused to remove their entirely fake claims I owe XXXX XXXX and, despite the extensive information I sent to their dishonest employee, Ms. XXXX, that demonstrates that I did NOT owe any money ( refer to Attachment 003 ), theyre now claiming I do. Of course, Ms. XXXX and Simons have never responded to my direct communication with them on XX/XX/2021. After more than two more hours on the phone with XXXX call centers in third-world countries, I learned that they ( XXXX  ) has now opened up a THIRD set of disputes ( Attachment 008 ). This is outrageous! 
3. XXXX  ( Im afraid I cant find my records if I do, Ill forward them to your office ). 

I have now spent well over a year dealing with the corrupt XXXX XXXX XXXX and their hired thugs, Simons Agency for money I dont owe. I have spent countless hours dealing with their extorsion attempts. My damage to my credit ratings has caused tangible harm Ive been forced to pay higher insurance premiums, as well as higher interest rates on loans. Criminal charges need to be brought against both Simons and XXXX XXXX XXXX. I urge your office to take aggressive actions against both.