Consumer complaint received 2018-04-17
Company: Collection Bureau of the Hudson Valley, Inc.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This letter is a formal complaint that Collection Bureau Hudson Valley is reporting inaccurate and incomplete credit information.. Credit reporting laws ensure that bureaus report on only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract-any and all accounts posted on a credit report. Otherwise, anyone paying for reporting services could fax, mail or email in a fraudulent account. I called XXXX after being transferred four times because no one could find an account, I was transferred to a XXXX, who advised me that she couldnt pull up the account but put me on hold and advised me that the account was transferred to a debt collection agency by the name of Collection Bureau Hudson Valley , Inc, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX ( XXXX ) XXXX, I was told that I needed to contact them to get a copy of this account. I spoke with a XXXX XXXX and advised her of the dispute that this account should be closed due to the merchandise was returned. XXXX XXXX advised me that she was showing an original balance of {$620.00}, I advised her that this is incorrect, the XXXX was returned and the amount was only {$390.00} plus prior to returning it I made a payment of {$30.00}. XXXX XXXX advised me that she was showing the amount was over {$620.00}, I requested that she send me a copy of the transactions. ( see attached documents ) She agreed, and I received the transaction showing incorrect dates, incorrect return dates and a credit for {$390.00}. I am showing a balance of {$440.00} and a lot of other charges which it doesnt list what it was for and showing a return date of XX/XX/XXXX which, it was incorrect, the correct month was in XX/XX/XXXX. I wasnt credited any finance charges from the sales, which I should have been credited, so it seems that XXXX was charging me late fees on their error. This should have been a XXXX   balance. After going over the Transaction Summary, I called XXXX XXXX back and advised her that I received the transaction and that the information is incorrect. I advised her that I am showing a bunch of transactions on this account for only an XXXX ordered and the transactions do not have any descriptions. I was advised that I needed to contact XXXX and let them explain it, I advised her that XXXX advised me that they couldnt pull up the account after it is turned over to a collection agency and I needed to speak to the collection agency. XXXX XXXX advised me that she didnt know why they told me this because they have nothing to do with the product or the order summary. I advised XXXX with XXXX and kept asking him who XXXX spoke with to verify this account because neither XXXX nor Collection Bureau Hudson Valley , Inc knows anything about this account, but I keep getting notices from the Credit Bureau that the creditor advised that the account is accurate and the account is still showing a charge off and I don't even have the merchandise.

Company response to consumer: Closed with non-monetary relief