Consumer complaint received 2022-04-11
Company: AMERIS BANCORP
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was contacted by AMERIS BK attempting to collect a debt from me that I never contracted or agreed to pay. They attempted to contact me by phone first, and threatened to show up to my door if I hadn't repaid this debt. I told them I would not have a problem paying on this debt if It were mines but it is not mines since I never contracted or agreed to pay anything with AMERIS BK. AMERIS BK then started to send me mail once a week stating I owed money on this debts. After them harassing me for this debt they started to report negative and defaming information on my consumers report about this account that does not belong to me. They've been reporting negatively on my consumers reporting and defaming my character since XX/XX/2022. Ive sent a debt validation letter to them and have yet to receive a response. Ive sent in another full debt debt validation notice and they still didn't respond. AMERIS BK has never supplied sufficient information to me in order to validate the debt.Upon checking this account I noticed AMERIS BK reported multiple inaccuracies on this account to the three main credit reporting agencies.I immediately thought to myself these accounts were not handled with accuracy or integrity due to the number of inaccuracies within these accounts as 12 CFR 1022.41states. Since AMERIS BK has never responded to the debt validation letter which I am attaching in the attachment section below or supplied me with sufficient information in order to validate this debt, I know the debt is a mistake and not mines. I don't not feel like my account was handled with accuracy and/or integrity. Therefore, with respect, I am challenging the accuracy and integrity of this information. 12 CFR 1022.41states ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. 12 CFR 1022.41 ( d ) also states Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. Due to the number of inaccuracies within these accounts which I have highlighted in the image below in the attachment section I know this debt is a mistake, not mines and shows this account was not handled with accuracy or integrity.As you can see For accounts, there are inaccurate account numbers, date opened, balance, high credit, last reported, past due, date of last payment and date last active reporting to the three credit reporting agencies/my consumers report.How can this debt be mines but have so many inaccuracies in them? There is no way this debt BELONGS TO ME. Please remove this account from my consumers report. Due to the inaccuracies of this accounts reporting inaccurate information I have been denied loans I would have been approved for had these accounts furnished the correct information with accuracy and integrity. This has caused me sleepless nights, stress and really bad anxiety. I wake up out of my sleep in sweats thinking how stressed out I am going to be regarding this negative accounts especially since Ive already tried to resolve this debt with the company. I have been denied housing and almost homeless due to the inaccurate Reportings in this account. AMERIS BK should be upholding 12 CFR 1022.41 at all times and clearly its not being upheld. ACCOUNT # XXXX

Company response to consumer: Closed with explanation