Consumer complaint received 2020-03-30
Company: OUT TECH, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of these listings. There are no contracst, no valid claim ... accounts were settled with original creditor. 

XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, 2020 + {$94.00} Needs Attention XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, 2020 + {$88.00} Needs Attention XXXX XXXX XXXX  XXXX Reported : XXXX. XXXX, 2020 + {$95.00} Needs Attention XXXX XXXX XXXX  XXXX Reported : XXXX. XXXX, 2020 + {$87.00} Needs Attention XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, 2020 + {$72.00} Needs Attention XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, 2020 + {$86.00} Needs Attention XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, 2020 + {$82.00} Needs Attention XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, 2020 + {$74.00} Needs Attention XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, 2020 + {$82.00} Needs Attention XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, 2020 + {$78.00} Needs Attention XXXX XXXX XXXX  XXXX Reported : XXXX. XXXX, 2020 + {$68.00} Needs Attention XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, 2020 + {$130.00} Needs Attention XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, 2020 + {$460.00} Needs Attention XXXX XXXX XXXX  XXXX Reported : XXXX. XXXX, 2020 + {$400.00} Needs Attention XXXX XXXX XXXX   XXXX Reported : XXXX. XXXX, 2020 + {$100.00} Needs Attention XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, 2020 + {$100.00} Needs Attention XXXX XXXX XXXX XXXX Reported XXXX XXXX XXXX XXXX Grave errorsfalse claim and reportingI want these accounts  removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation

Company response to consumer: Closed with explanation