Product: Credit reporting, credit repair services, or other personal consumer reports

The civil and consumer rights of both XXXX XXXX and XXXX XXXX have been explicitly violated and reported to EXPERIAN credit bureau by immoral and unethical practices performed by both the original creditor, XXXX XXXX - XXXX XXXX and debt collections company, XXXX  XXXX XXXX. 

This claim has been made on behalf of XXXX XXXX and XXXX XXXX, as we were both tenants/roommates on the lease for the duration of our residency at XXXX XXXX XXXX in XXXX, NJ, XXXX. Hence, XXXX XXXX and XXXX have given each other consent and mutually agree to provide information and documents, altogether. 

Due to the nature that this collections error is not currently reported on XXXX XXXX 's EXPERIAN credit report, it is however currently reported on XXXX XXXX 's EXPERIAN credit report, thus it is important to view the EXPERIAN report of XXXX XXXX following your careful review of this complaint. Documents contained within represent information shared between the following parties -- XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, and XXXX XXXX - XXXX. Carefully consider these documents as the physical proof/evidence in support of the statements made henceforth. 

XXXX XXXX was contacted via e-mail by XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. Subject was titled " Move-out Statement. '' The balance as per this Move-Out Statement .pdf file is in the amount of XXXX. The Body of the message included a pdf titled, " Financial Move Out Statement, '' in addition, the Body of the message included an extremely brief and vague statement, " Your Financial Statement from XXXX XXXX. '' This e-mail included ONLY the information previously stated in the quotations. 

On XX/XX/XXXX, XXXX XXXX had received a second e-mail sent by XXXX XXXX XXXX XXXX Manager XXXX XXXX, and contained within this message is a balance which neither reflects the sum of the amounts described within the message nor it doesn't reflect the previous amount of XXXX the stated amount due within this e-mail on XX/XX/XXXX is XXXX. The actual sum of amounts detailed within this e-mail actually calculates to XXXX, NOT XXXX, as specifically stated by the sender within the Body of the message. 

Then, on XX/XX/XXXX, XXXX XXXX had received an e-mail from XXXX XXXX Account Representative XXXX XXXX, containing the statement, " This is an attempt to collect a debt and information contained will be used for that purpose. '' This collections attempt is the first form of physical documentation XXXX XXXX had received from the collections company XXXX XXXX   whom had mentioned that they were attempting to collect a debt for XXXX XXXX - XXXX. According to records of XXXX XXXX XXXX, XXXX, the original amount of XXXX is the assigned amount to be paid, contrasting the amount by which XXXX XXXX had detailed as the most recently recorded amount due of XXXX. The method by which XXXX  XXXX XXXX, XXXX provided for me in reference to verification of this collection is such that they had sent me the very exact " Financial Move Out Statement '' XXXX XXXX had received in the e-mail sent from XXXX XXXX XXXX XXXX Manager XXXX XXXX back on XX/XX/XXXX. Please Note : on XX/XX/XXXX, XXXX XXXX XXXX XXXX Manager XXXX XXXX included an inaccurately calculated and unjustified declaration the amount owed of XXXX, and on XX/XX/XXXX, XXXX XXXX had declared and provided verification to XXXX XXXX the amount owed as per their records as equating to XXXX. 

Furthermore, XXXX XXXX had decided to contact via phone XXXX XXXX on XX/XX/XXXX at approximately XXXX to indicate specifically the details of all errors XXXX XXXX had discovered including the mis-guidance of such information presented by XXXX XXXX XXXX XXXX on both XXXX XXXX and XXXX XXXX . Without hesitation, a customer representative from IXXXX XXXX  had then immediately and urgently asked XXXX XXXX over the telephone the following specific instructions -- to reply to the e-mail which XXXX XXXX Account Representative XXXX XXXX had sent to XXXX XXXX back on XX/XX/XXXX, and the request by this customer representative was for me to provide XXXX XXXX  with documentation pertaining to the e-mail on XX/XX/XXXX sent from XXXX XXXX XXXX XXXX Manager XXXX XXXX and received by XXXX XXXX, whereby she had provided an updated balance amount due in the amount of XXXX. 

XXXX XXXX was then told by said customer representative of XXXX XXXX during the telephone conversation on XX/XX/XXXX that I'd be contacted by this same customer representative the very next day. That follow-up call from XXXX XXXX did not ever happen, and to the present day, after leaving several voice messages on the XXXX XXXX phone message recording service, XXXX XXXX has not a single time been contacted by XXXX  XXXX XXXX after bringing the mis-handled issues 'to light '. 

Several false and fraudulent statements were performed pertaining to actions made by XXXX XXXX - XXXX ( XXXX XXXX XXXX, XXXX and XXXX XXXX ), but that complaint shall be contained within a separate complaint. There are several errors contained within documents and notices from both XXXX XXXX - XXXX and XXXX  XXXX XXXX ; the process of collection of an unknown debt was certainly mis-handled and mis-guided, and the entire collections process as an entirety contains numerous inaccuracies which violates several laws governed and cited by the following Acts -- Fair Debt Reporting Act, Consumer Protections Act, Consumer Fraud Act, and Fair Debt Collections Practices Act. 

To conclude, as per the credit report for XXXX XXXX on XX/XX/XXXX, XXXX XXXX  had reported the collection amount of XXXX to the 3 major credit bureaus, however for some unknown reason, this collection is no longer being reported on XXXX XXXX XXXX credit report. In addition, this collection amount of XXXX IS currently being reported by XXXX XXXX  on XXXX XXXX 's credit report. XXXX XXXX however, DID NOT receive any of the e-mails received by XXXX XXXX as described herein, nor did XXXX XXXX receive at any time communications relating to a notice ( s ) of any collections amounts from neither XXXX XXXX - XXXX  nor from XXXX XXXX, not one single notice was received by XXXX XXXX. 

Attached are documents supporting the statements listed above pertaining to communications with XXXX XXXX between both XXXX XXXX - XXXX and XXXX XXXX, exclusively. Please, follow-up on practices of XXXX XXXX, XXXX, XXXX XXXX, and XXXX  XXXX XXXX, XXXX. Their poor practices to collect invalid debt has caused both XXXX XXXX and XXXX XXXX to suffer, as we have been unable to find new residence and have been denied by every mortgage company for a home due to this collections account being present on XXXX XXXX XXXX   credit report, and it has impacted XXXX XXXX 's credit in several ways.