Consumer complaint received 2021-07-27
Company: Upstate Collection Center, Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Date : XX/XX/XXXX To : XXXX  Supervisor, Legal Department XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX DOB : XXXX SSN : XXXX Please Validate this account. : UPSTATE COLLECTION CEN ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXI dont recognize it off hand. Please include all original documentation with any signature and any documentation that authorizes the current debt collector to collect on the debt. If you can not provide this information please delete the account. 15 USC 1692g Sec. 809 ( b ) of the FDCPA Thank You, XXXX XXXX XXXX If you no longer possess the debt then, delete it from my credit report immediately. 


I am writing to notify you that you are reporting inaccurate or incomplete information in my credit report which is identified as : XXXX  : UPSTATE COLLECTION CEN ( Original Creditor : XXXX XXXX XXXX XXXX ) not reported XXXX  : UPSTATE COLLECTION CEN ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX UPSTATE COLLECTION CEN ( Original Creditor : XXXX XXXX XXXX XXXX ) not reported The Item of Information should, but does not, accurately and completely paint a truthful picture and such consumer reporting fails to meet the maximum possible accuracy standard. My understanding is that the Metro 2 Format is the industry standard for reporting accurate, complete, and timely information and that The data should be reported according to the specified definitions in order to process credit information correctly. Based on this understanding, the following data is reporting inaccurately : Date of Account Information : XXXX  is not reported ; XXXX  is XX/XX/XXXX ; and, XXXX XXXX is not reported. 
Reporter Name : XXXX  is UPSTATE COLLECTION CEN ( Original Creditor : XXXX XXXX XXXX XXXX ) ; XXXX  is UPSTATE COLLECTION CEN ( Original Creditor : XXXX XXXX XXXX XXXX ) ; and, XXXX XXXX is UPSTATE COLLECTION CEN ( Original Creditor : XXXX XXXX XXXX XXXX ). 
Consumer Account Number : XXXX  is not reported ; XXXX is XXXX ; and, XXXX XXXX is not reported. 
Date Opened : XXXX  is not reported ; XXXX  is XX/XX/XXXX ; and XXXX XXXX is not reported. 
Estimated Purge Date : XXXX  is not reported ; XXXX  is not reported ; and, XXXX XXXX is not reported. 
Date Closed : XXXX  is not reported ; XXXX  is not reported ; and XXXX XXXX is not reported. 
Portfolio Type : XXXX  is not reported ; XXXX  is not reported ; and XXXX XXXX is not reported. 
Credit Limit : XXXX  is {$0.00} ; XXXX  is {$0.00} ; and, XXXX XXXX is {$0.00}. 
Highest Credit or Original Loan Amount : XXXX  is $ not reported ; XXXX  is {$260.00} ; and, XXXX XXXX is $ not reported. 
Terms Duration : XXXX  is not reported ; XXXX  is not reported ; and XXXX XXXX is not reported. 
Terms Frequency : XXXX  is not reported ; XXXX  is not reported ; and, XXXX XXXX is not reported. 
Scheduled Payment : XXXX  is $ {$0.00} ; XXXX  is {$0.00} ; and, XXXX XXXX is {$0.00}. 
Payment History Profile fields are inconsistent and inaccurate. 
Special Comment : XXXX  is not reported ; XXXX  is not reported ; and, XXXX XXXX is not reported. 
Balance : XXXX  is {$0.00} ; XXXX  is {$260.00} ; and, XXXX XXXX is {$0.00}. 
Amount Past Due : XXXX  is {$0.00} ; XXXX  is {$0.00} ; and, XXXX XXXX is {$0.00}. 
Original Charge-off Amount : XXXX  is $ not reported ; XXXX  is $ not reported ; and, XXXX XXXX is $ not reported. 
Date of Last Payment : XXXX  is not reported ; XXXX  is not reported ; and, XXXX XXXX is not reported. 
Original Creditor Name : XXXX  is not reported ; XXXX  is not reported ; and, XXXX XXXX is not reported. 
Creditor Classification : XXXX  is not reported ; XXXX  is not reported ; and XXXX XXXX not reported. 
The Date of First Delinquency : XXXX  is not reported ; XXXX  is not reported ; and, XXXX XXXX is not reported. 

Demand is hereby made for XXXX, XXXX, and XXXX XXXX to delete the inaccurate, incomplete, and defamatory Item of Information. I have been XXXX  XXXX and had to take days off of work due to the incorrect information on my credit report. I am XXXX XXXX XXXX  and my health is XXXX  because of being under XXXX  about this incorrect information on my credit report. I feel like I may need to be awarded damages for the suffering  that this inaccurate information on my consumer report has caused. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation