Consumer complaint received 2020-04-14
Company: Alco Collections, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX I pulled my credit report and saw a collection agency on my report, the company was ALCO COLLECTIONS # XXXX Some information from that report claims that the original creditor was XXXX XXXX XXXX  and the debt was for {$1700.00} and was placed in collections XX/XX/XXXX. 
I never lived at XXXX XXXX XXXX, I called the company spoke to managers and their respond was during that time 2 years prior was under different management, and I would have to clear this up with the collection company. 
At this point, I had not received any communication from the Collections company. Therefore, I was ROBBED OF ASKING THE COLLECTOR, TO VALIDATE THE DEBT TO MAKE SURE IT WAS MINE, WITHIN THE FIRST 30 DAYS. ( claimed that the debt was placed in collections XX/XX/XXXX ) I believe that this debt is fraudulent and a result of identity theft. 

XX/XX/XXXX I opened a dispute with XXXX. The results of XXXXs investigation resulted that the information was VERIFIED AS ACCURATE. I DID NOT AGREE WITH THIS INVESTIGATION. I requested for the results of XXXX  and was requesting for the item to be deleted, because the Information reported had missing, incomplete and/or inaccurate data. ( Fair Credit Reporting Act 61 ( a ) [ 15 USC 16 ] XX/XX/XXXXI reached out to Alco collections, and specifically to their manager on file XXXX XXXX. 
Over the next 3 months, XXXX XXXX & XXXX, I made calls and left voicemails over 20 times. 
I received a call back from someone named XXXX no last name given, and before I finished my call it would somehow both times drop, and my questions would not be resolved. 
I spoke to this person twice, when we spoke I asked him for the Chain of custody of paperwork including and not limited to the original signature ( s ) credit application, ledger of credit/debits/receipts since the beginning of time as well as the Lease/Contract with explanation of balance owed and charge of ( {$1700.00} ). 

XX/XX/XXXX I received a letter from ALCO COLLECTIONS INC ( ACI ), with simply a statement under an account number XXXX. It stated RE : XXXX XXXX XXXX  and with a Balance of {$1700.00} and to, PLEASE SEND BALANCE TO : ALCO COLLECTIONS INC XXXX XXXX XXXX XXXX XXXX, LA XXXX. 

XX/XX/XXXX I filed a dispute with the State of Louisiana Department of justice, Consumer Protection Section. 

XX/XX/XXXX I received my last letter from State of Louisiana Department of justice, Consumer Protection Section, however the issue had not been resolved. 

XX/XX/XXXX I sent a CERTIFIED letter, demanding the Chain of custody of paperwork including and not limited to the original signature ( s ) credit application, ledger of credit/debits/receipts since the beginning of time as well as the Lease/Contract with explanation of balance owed and charge of ( {$1700.00} ). I received no response nor was the item removed from my report. 

XXXX XX/XX/XXXX I send another Certified demand letter. I still did not receive a response nor was the item removed from my report. 

XX/XX/XXXX I sent request for disputing item to be deleted from my credit report to both XXXX   XXXX and XXXX. I requested for the results of XXXX and was requesting for the item to be deleted, because the Information reported had missing, incomplete and/or inaccurate data. ( Fair Credit Reporting Act 61 ( a ) [ 15 USC 16 ]. Both XXXX and XXXX VERIFIED the information as ACCURATE. The item on my report remains missing, incomplete and inaccurate data. I request that it is removed. 
I have attached the supporting documentation.

Company response to consumer: Closed with explanation