Consumer complaint received 2021-11-15
Company: Credit Corp Solutions Inc.
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Credit Corp Solutions re : an account they are collecting on from XXXX for {$81.00} for a transaction from XX/XX/2016. I haven't used my XXXX account in years and never made or tried to make a transaction on that date or for that amount. When I called CRedit Corp Solutions, the gentleman ; XXXX, gave me an email address that was associated with the XXXX account that was not mine and also stated that the bank account used was called XXXX XXXX, which is not my bank. The gentleman was insisted this is my account, but could not confirm my social security number, date of birth or any of my personal information that is associated with my XXXX account. Prior to calling the company, I went to my XXXX account and there is no mention of my account being owed money, there were no transactions in default or any for {$81.00}. I asked the gentleman I spoke with what was the transaction, he said he didn't know. He said all he had was an account they bought from XXXX with {$81.00} due and offered me a settlement of {$64.00}. I said no because I am pretty sure they have the wrong person. All the information they had that was correct was my address, which could be found anywhere in search engines. I started getting very suspicious as this person was avoiding some of my concerns and didn't have any answers to help me understand, this just all seemed like they were trying to contact anyone with the same name as me. He gave me an account number for this account and said if I wanted to make a payment to go online and enter my information and could make a payment or see the information they have. After I hung up, I contacted XXXX who verified my personal information and stated there were not outstanding debts on my account, nor anything from 2016 for {$81.00}. The woman at XXXX suggested I file a complaint as this may be a scam. I then tried using the website the gentleman said they have for payments. I entered the account number he gave me and it asked to confirm my date of birth or last 4 of my social security number. When I tried both, it kept saying my credentials do not match the account information. I tried contacting Credit Corp Solutions again to let them know what XXXX said and the issue with my credentials not matching the account they have and the gentleman I spoke with did not seem interested in all except to say I owe {$81.00} and asked how I would be paying, and I stated I wasn't, it was not my debt. I stated I was filing a complaint, he chuckled and said fine and hung up. The following is taken from the email that XXXX sent me after our conversation. Again, when trying to log into their website, it says my credentials do not match the account information they have. 
Dear XXXX XXXX, As discussed, you can now manage your account online anywhere, anytime. 

Simply login to your account at XXXX using your reference number XXXX. 

The online portal allows you to see available offers, make a payment or chat with us online. 


Yours faithfully, XXXX XXXX Customer Relationship Manager Credit Corp Solutions Inc . 

( Also licensed in certain jurisdictions as Tasman Credit Corp and Tasman Credit ) Tel : XXXX XXXX XXXX Fax : XXXX XXXX XXXX Toll Free : XXXX XXXX XXXX You can now manage your account online anywhere, anytime. Simply log in to your account by clicking XXXX 


STATEMENT OF CONFIDENTIALITY The information contained in this electronic message and any attachments are protected by the Electronic Communications Privacy Act  ( 18 USC 2510-2521 ) are intended for the exclusive use of the addressee ( s ) and may contain confidential or privileged information. No representation is made on the accuracy or completeness of the information contained in this electronic message. Certain assumptions may have been made in the preparation of this material as at this date, and are subject to change without notice. If you are not the intended recipient, you are hereby notified that any dissemination, distribution or copying of this e-mail and any attachment ( s ) is strictly prohibited. Please reply to the sender and destroy all copies of this message and any attachments from your system. 


THIS FIRM IS A DEBT COLLECTOR. WE ARE ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 

We are required under state law to notify consumers of the following rights. This list does not contain a complete list of the rights consumers have under state and federal law. 



For California State Residents Only : As a California consumer you have the right under the California Consumer Protection Act ( CCPA ) to direct a business that sells Personal Information about you to third parties not to sell that Personal Information. This right may be referred to as the right to opt-out. Credit Corp does not sell Personal Information.

You have other rights under the CCPA. These rights include : The right to know what Personal Information is collected, used, shared or sold, both as to the categories and specific pieces of Personal Information ; The right to request deletion of your Personal Information held by Credit Corp and its service providers ; The right to non-discrimination in terms of price or service when you exercise a privacy right. 
For more information on how we collect, use or disclose your Personal Information and our policy in relation to the CCPA go to XXXX-notice For Colorado State Residents Only : Colorado Manager , Inc. 
XXXX XXXX XXXX, XXXX XXXX XXXX, CO XXXX Phone : XXXX For Massachusetts State Residents Only : NOTICE OF IMPORTANT RIGHTS You have the right to make a written or oral request that telephone calls regarding your debt not be made to you at your place of employment. Any such oral request will be valid for only ten days unless you provide written confirmation of the request postmarked or delivered within seven days of such request. You may terminate this request by writing to the debt collector. 

For Minnesota State Residents Only : This collection agency is licensed by the Minnesota Department of Commerce. 

For New York City Residents Only : New York City Department of Consumer Affairs License Number : XXXX For North Carolina State Residents Only : North Carolina Permit Number : XXXX For Tennessee Residents Only : This collection agency is licensed by the Collection Service Board of the Department of Commerce and Insurance.

For Washington State Residents Only : This collection agency is licensed in the State of Washington  at the following address : Credit Corp Solutions Inc . 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX For Wisconsin State Residents Only : This collection agency is licensed by the Division of Banking in the Wisconsin Department of Financial Institutions, XXXX

Company response to consumer: Closed with explanation