Consumer complaint received 2021-06-22
Company: Receivables Management Partners, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I contacted Receivables Management Partners , LLC ( RMP ), who appeared on my XXXX credit report. I contacted them at XXXX and spoke with representatives and explained that I have filed bankruptcy, gave the case number and attorney information. I advised my bankruptcy was discharged and that they have reported to my credit report in error. I received a phone call from this agency on XXXX at XXXX central time which is out of my time zone because of my relocation and move. I advised them I was not aware of any debt owed and to cease contacting me by phone and send any details to me in writing. I still received harassing automated calls, and sent a letter on XXXX to XXXX XXXX XXXX XXXX, OH XXXX requesting for debt validation documents in accordance with FDCPA15 U.S. Code 1692g - Validation of debts. On XXXX I received a call again and provided my provided my attorney 's name and number XXXX XXXX with XXXX XXXX XXXX P : XXXX | F : XXXX | D : XXXX and advised debt was disputed and I'm in process of filing bankruptcy requested all correspondence to be forwarded to my counsel to validate debt. After setting up forwarding mail with USPS and also notifying my attorney I never received any correspondence from this agency or the original creditor showing the debt as owed or validated. They confirmed they sent the debt to my credit reporting agency as of XXXX even after validating the debt. After they confirmed these details I requested for them to remove the error off of my credit report. The manager XXXX ( Indiana office ) who refused to provide me her full name and extension was extremely abusive, over talked me, and asked me questions and refused to allow me to provide details in the answer by raising her voice and overtalking me during my attempt to respond. I felt horribly belittled and she was extremely condescending. When advising her that she is over talking me she threatened to disconnect the call. I then requested for physical address of her company to where I can send formal complaint letter. She taunted me stating that she will leave account open and cease and desist only when they verify discharge and she can fix this ( credit report ) at the stroke of a button if I cooperate with her and prove to her that their name is listed on my bankruptcy discharge '' I laughed with XXXX in disbelief of this response, and she stated I was being rude which gives her reason to disconnect the call. When I advised that she is violating my rights she disconnected the call. I called back and talked to rep XXXX ( Michigan Office ) who confirmed they received my dispute and attorney info on XXXX and sent debt to credit report on XXXX. Transferred to Supervisor XXXX XXXX ( Michigan office ) who I confirmed filing date and discharge date of bankruptcy and was told that they can report to my credit if they want to even if debit is disputed and not validated. I revisited harrassing phone calls and confirmed dates with her of dispute. She then states allegedly now they don't have record of my dispute after previous rep confirmed receipt of it. She stated she is transferring my account to another manager since our conversation was not productive. I spoke with XXXX XXXX advising of the errors of their handling of my dispute and bankruptcy he stated " My window to dispute the debt was in XX/XX/XXXX - XX/XX/XXXX stating they sent correspondence in XX/XX/XXXX and that my fault that I did not update my address to them ''. I advised that I again no longer resided at that address since XXXX of XXXX and I am not aware of the alleged original creditor as I documented in XX/XX/XXXX. He then stated he will log my dispute today. I advised him that is unacceptable. I already disputed the debt and plus it is under bankruptcy. He confirmed that they have validated my bankruptcy and stated he is refusing to remove the error from my credit report and will only update it that is a bankruptcy account if I have a problem with his answer to get my attorney to contact him instead and since I am choosing to not accept their answer he will disconnect the call. I advised him that the debt is not a valid debt and that their XXXX window from XXXX expired and they willfully reported my debt to agency in XXXX when the burden of proof is on them and never given. XXXX disconnected call. This type of behavior and practices violating someone rights and using their credit report as a weapon against them I THOUGHT was illegal. I am requesting for immediate relief and action to be taken against this agency for their abusive and manipulating collection practices. I have been protected under the dispute process and even furthermore the bankruptcy process of which they have willfully ignored. I am extremely afraid based on their threatening and obtuse behavior they will continue to weaponize my credit report against me after I did everything within my power and rights under the law to rectify this. PLEASE HELP

Company response to consumer: Closed with explanation