Consumer complaint received 2023-01-03
Company: Nationwide Credit Corporation
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
NCC ( Nationwide Credit Corporation ) has placed a unconfirmable and disputed debt of a old XXXX XXXX account from 2019 on my credit report for a arbitrary old paid bill from an account that was not only paid out before closing and transferring the service via a service and address change but, also the subsequent following account was also paid to satisfaction and closed clearing all debt as is required by this XXXX company. I have disputed the debt multiple times through the credit reporting agencies and multiple times the alleged investigation by NCC has returned the disputed account as confirmed but with no attributing data or evidence to validate this alleged debt. I have contacted NCC on a number of occasions to request any evidence or proof of the debt and have not received any supporting data or admissible proof that a debt is owed, past due, delinquent or otherwise valid. I have made several request for supporting documents such as a ledger, past due or delinquent statements or notices, service interruption/turn-off notices, or even an explanation as to how after my service was transferred to aforementioned new address that service account is also closed to satisfaction and not in any manner of debt or collections since any charges or relative debt follows a consumer by their social security number. It is simply not possible to have multiple personal service accounts under XXXX SS # I have furnished NCC with supporting proof that not only paid out before closing and transferring the service via a service and address change but, also the subsequent following account was also paid to satisfaction and closed clearing all debt as is required by this Utilities company. I have disputed the debt multiple times through the credit reporting agencies and multiple times the alleged investigation by NCC has returned the disputed account as confirmed but with no attributing data or any evidence to validate this alleged debt. I have contacted NCC on a number of occasions to request any evidence or proof of the alleged debt and have not received any supporting data or admissible proof that a debt is owed, past due, delinquent or otherwise valid. I have made several request for supporting documents such as a ledger, past due or delinquent statements or notices, service interruption/turn-off notices, or even an explanation as to how after my service was transferred to aforementioned new address service is also closed to satisfaction and not in any manner of debt or collections since any charges or relative debt follows a consumer by their social security number. It is simply not possible to have multiple personal service accounts under XXXX SS #. 
I have also furnished NCC with all available evidence and proof of both the accounts to support my dispute. Even after escalations to multiple XXXX  and XXXXXXXX XXXX XXXX  NCC continues to avoid taking steps necessary to comply with my request for the reliable proof I requested and recognize my rights under State and Federal regulations that govern credit reporting including the Fair Debt Collections Practice Act, Fair Credit Reporting Act, Federal Equal Opportunity Act, and the Consumer Credit Protection Act.

Company response to consumer: Closed with explanation