Consumer complaint received 2022-11-28
Company: Paramount GR Holdings, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
GoodLeap LLC was informed several times prior to XX/XX/22 that I have had no business dealings with their company. I requested a copy of a signed contract and a truth in lending statement. 

GoodLeap LLC initiated collections effort in XX/XX/XXXXXX/XX/2022 

I informed GoodLeap again on XX/XX/22 that the debt is disputed and to provide the contract, truth in lending, and all prior invoicing as claimed in their e-mail. 
They were informed to cease and desist and to provide the requested documents to support the debt. 
Documents were received from GoodLeap at the beginning of XXXX that included a contract - voided and did not include a truth in lending statement or prior invoicing. 

GoodLeap proceeded to place a notice on my property XX/XX/22. 

I contacted GoodLeap XX/XX/22 and again informed them I am disputing the debt. 
I again requested a valid contract and truth in lending. 

They then proceeded to create a fraudulent statement with a due date reflecting the same date of my call ( XX/XX/22 ). They increased the disputed debt to $ XXXX and back dated the statement to XX/XX/2022. This was not on record as of XX/XX/XXXXXX/XX/22per the associate on the call. 

I sent a letter to them XXXXXX/XX/2022 again informing them of the dispute and requesting support of the debt. 

GoodLeap sent a letter dated XXXXXX/XX/22 acknowledging my cease and desist, but did not include a signed contract or truth in lending. They claimed the debt is for assumption of solar and provided a copy of an e-mail of someone asking me to sign a document from XXXX. They were unable to provide a signed contract as a signed contract does not exist. 

I found out on XX/XX/XXXX they added this invalid debt to all XXXX of the credit bureaus as past due, decreasing my credit score XXXX points, and causing me to be unable to obtain a approvals in my true business dealings. This a causing a major disruption with my family. 

I called GoodLeap XX/XX/XXXX and requested a Manager. I was transferred to " XXXX - Partner Relations in XXXX, CA ''. She acknowledged the XX/XX/XXXX letter and stated they are still attempting to research the debt. I again informed her the debt is invalid and they can not bully me by adding it to my credit report -- while knowingly not having a valid contract on file to support the debt. I informed her I would need to contact my attorney if these actions continue. She told me to proceed as I have the right to do so. 
I stated to her clearly '' so you are informing me GoodLeap has been unable to locate a signed valid contract after several months, but you have proceeded to place the invalid debt on my credit report in effort to ruin my credit and bully me into paying in addition to stating to proceed with contacting an attorney '' I've contacted the credit bureaus and they state it can take over 30 days to correct. GoodLeap is aware of this I do believe intentionally placed this on my credit WITHOUT a valid contract on file as they know I would have to go through this dispute process. 

This is unacceptable and they should be held liable for these knowingly vicious actions.

Company response to consumer: Closed with explanation