Consumer complaint received 2022-04-15
Company: R & B Corporation of Virginia
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
let me break down how long I have been dealing with credit control on my consumer reports. 

XX/XX/XXXX I sent a letter to credit control asking for validation of this alleged debt XX/XX/XXXX was the date on the letter credit control sent claiming they have sent validation with the WRONG last name. the last name they have on the paperwork reads XXXX. my last name is NOT XXXX. it is XXXX. the last name grimer also shows on the account name with this furnisher. 

XX/XX/XXXX I sent credit control a letter pointing this out, telling them they have failed to validate this invalid account with a invalid name. it took me this long to respond because I had been seeking legal professional help regarding this issue. a professional had educated me on my consumer rights that I protected by under the Fair Debt Collection Practice Act and another law the Fair Credit Reporting Act. they have also advised me to come to you and bring this on going issue to your attention as my next step. my professional adviser stated if the account they have is not under my legal name then the information they sent is not valid enough proof that this account has been properly validated making them resposible for violating the FDCPA XX/XX/XXXX credit control received my letter tracking number XXXX I have yet to hear back from this furnisher regarding this issue. 

I have also been trying to dispute this account with the credit bureaus notifying and sending in the proof that this account is not under my legal name therefore this account is inaccurate. all they do is keep verifying or updating this account. fast foward to today I check my XXXX and XXXX report and noticed credit control has recently reported XX/XX/XXXX XXXX to my surprise I was able to spot inconsistentcieds between the XXXX bureaus AFTER this furnisher recently reported. to my understanding if a furnisher reports information to any of the credit bureaus then all information must be consistent enough to be accurate. isn't that right? if so, how come XXXX is repoting this accounts date of XXXX deliquency XX/XX/XXXX putting the fall off date XX/XX/XXXX but reports on experian on record until XX/XX/XXXX? aren't these considered XXXX different dates that this account will legally fall off? shouldn't all reported information be reporting accuratly especially after the furnisher recently reported? this is clear indication that this furnisher does not care about the laws that they are suppose to be following and its hurting my ability to gain new credit line opportunities. experian recently sent me results dated XX/XX/XXXX report number XXXX claiming this account " remains '' on my consumer report. these tactics are beginning to be unfair to me. I also have credit monitoring through smart credit and noticed inconsistencies /errors across all three bureaus. experian reports a different date of last activity than XXXX and XXXX. experian doesn't have a verified date even tho they sent me results XXXX XXXX this account reports closed but none of them report a closed date. this fursniher is violating my rights violating the FDCPA and also FCRA by reporting inaccurate information consistently without a care of the consequences.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation