Consumer complaint received 2019-03-07
Company: First Advantage LNS Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I filed bankruptcy chapter XXXX my attorney included everything he saw on my credit and We listed companies that werent showing yet. After a few months I saw XXXX show up On my credit which is a 3rd party collection agency which I did not include XXXX because We didnt see that on report we only included original creditor XXXX townhomes. My attorney sent the townhomes the bankruptcy and the creditors it included XXXX being one of them advising them to send the bk info to the collection agency they sold it to. I never heard from XXXX again so I thought it was handled. Ive just now noticed that the collection agency is still reporting it to 2 credit reports. So I reached out to my attorney again showing him the collection agency is still reporting it even though original creditor was included. He advised me to send dispute letters to credit bureaus which I did last week. Its showing discharged on my XXXX report but its still showing on XXXX and XXXX. I have disputed it with original creditor and now Ive disputed it with the collection Agency. I disputed with original creditors 3 years ago and theyve decided to ignore my chapter XXXX and have continued to allow the 3rd party agency report to 2 of my credit reports. This collection agency continues to send collection letters and still continues to report even though I have provided them with all the info. They have made me feel forced to pay this because its preventing me from being able to rent another place and they wont stop reporting it. I was going to pay and then cancelled my check because I was advised not to pay this no matter how threaten I feel. Its causing me to now be homeless, and that was the only reason I was going to pay it. Because Ive done everything and Ive sent all proof and they wont stop. Now they have called me and I tried to tell the woman this is a part of bankruptcy and she continued to cut me off and didnt want to listen to me at all or take down my b/k info or atty info. She started to raise her voice and become confrontational so I hung up. I just got off the phone with XXXX and they have my bk info and said they will give me an answer in 30 days and that I should reach out here too since its caused me to be homeless now. I just dont understand why all 3 reports arent reflecting the same information. I need the discharge to reflect my bankruptcy with XXXX and XXXX. This collection agency is called XXXX {$3200.00} collecting for XXXX townhomes out of Texas. I just want this to stop. Its causing me severe stress and Im already dealing with XXXX XXXX and XXXX of the XXXX and its making me sicker. My XXXX is out of control. Ive now been denied an apartment that will help me because I can no longer work until Ive beat this. This was one of the only apartments willing to help me and work with me barely having income but child support. They wont let me in here until XXXX  reflects the same info as my other credit bureaus. I have to wait 30days for a dispute to be answered when this should have been fixed a while ago. So Im just doing what XXXX  told me to do and contact you as well. Please help me. Im not someone just trying to get paid or I would have already got an atty to represent me to fight this and request payment or a settlement for the stress its caused me I just want it fixed. So Im reaching out one last time to you, them, the apartments, and the credit bureaus and if I still cant get this fixed I will have no choice but to seek legal help because Ive done all I can do on my side. Please have them fix this. The last thing I want is some huge court battle when Im already so sick. But if I have to I will because I need help so I can get treatment. This apt was going to assist with low income monthly payments so I can focus on my treatments, this apt is my only hope so I can beat this and live and they said they will still help but I have to get this to report correctly on my reports before they can. So Im giving this my last shot before I go all the way my life is depending on it.

Company response to consumer: Closed with explanation