Consumer complaint received 2021-10-08
Company: Capital Accounts, LLC
State: GA
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:
On XX/XX/2021, I disputed Capital Accounts Collections account on my consumer reports via XXXX, XXXX, and XXXX as inaccurate. The account showed a balance of {$790.00} and original creditor as XXXX XXXX XXXX XXXX. According to Congress, once I dispute the validity of any alleged debts, I will be provided with all XXXX requirements to validate the debt pursuant to federal law 15USC1692G. I never received validation. On XX/XX/2021, I contacted XXXX and on XX/XX/2021, I contacted XXXX and XXXX via telephone and informed them of the invalidated and inaccurate information being reported. I asked all involved to immediately stop communicating and reporting for all purposes in regards to me, the consumer, because I, XXXX XXXX XXXX, never directed them verbally or in writing to report or communicate anything about me. On XX/XX/2021, I submitted a complaint via CFPB website. On XX/XX/2021, I contacted Capital Accounts via telephone, representative XXXX XXXX asked me to confirm my address at XXXX XXXX XXXX XXXX XXXX, GA XXXX, I replied it was an old and bad address and that I did not have a current address or mailing address. XXXX XXXX confirmed the full account number ( XXXX ) associated with my name and confirmed it was a medical account. I asked XXXX XXXX for a copy of my contract and a pay off quote to be emailed to my business email address. XXXX XXXX replied they were just a collection agency and credit reporting company and could not produce the contract but confirmed a balance on the account of {$810.00}. I asked to be transferred to a supervisor because I only wanted to state my demands once. XXXX XXXX came on the line and I stated to XXXX, XXXX XXXX confirmed they were a collection agency and credit reporting company and confirmed this alleged debt is a medical account. I stated to XXXX XXXX that I have studied my federally protected consumer rights and demanded an immediate and permanently removal of the account and stop communicating with all 3rd parties in relation to me, the consumer, because I, XXXX XXXX XXXX never directed verbally or in writing to report or communicate anything about me. I stated if they fail to address my demands, I will continue to enforce my federally protected rights. On XX/XX/2021, XXXX, representative of Capital Accounts contacted me via telephone in regards to XXXX XXXX XXXX XXXX. I asked how she got my location information. XXXX replied I was asking a question that I should already have the answer to. I explained to her, I did not have the answer, again I asked how did she get my information? XXXX stated, she was calling on behalf of a debt to XXXX XXXX XXXX XXXX with a balance of {$810.00} and asked how I would be rectifying the debt today? I replied for Capital Accounts to immediately stop reporting and permanently remove the account and to stop all communication with all parties in regards to me and any alleged debt. I ended the call to call back and ask for a supervisor. I encountered representative XXXX who asked me to confirm my identity, XXXX XXXX XXXX, I replied I did not know how they have that information and asked to be transferred to a supervisor. Supervisor XXXX XXXX came on the line and I demanded for Capital Accounts to immediately stop reporting and permanently remove the account and to stop all communication with all parties in regards to me and any alleged debt. As of today, XX/XX/2021 is still being furnished on my consumer report via XXXX, XXXX, and XXXX because I had never directed them verbally or in writing to communicate anything about me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation