Consumer complaint received 2023-03-18
Company: Allied Collection Services, Inc. (Nevada)
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
ALLIED COLLECTION SERVICE claimed to have completed a reasonable investigation and verified the account as reporting 100 % accurate. However, this account is still inaccurate and ALLIED COLLECTION SERVICE is still continuing to report errors on my credit file, violating my rights and damaging my credit score at the same time. Recently, I received notice from XXXX that they had deleted this account that ALLIED COLLECTION SERVICE reported for inaccuracy and it was re-inserted which is a violation. I am now requesting that ALLIED COLLECTION SERVICE do the same and delete the account. Delete the account XXXX XXXXfor inaccuracy, because this account doesnt belong to me, the original creditor does not own this account, and the account was sold but still reports a balance. The account shows different creditor names.The date of the last payment reported is inaccurate and missing. I never had an account with ALLIED COLLECTION SERVICE you are in violation of my rights. 

15 U.S.C. 1681 section 602 A. states I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written consent.

15 U.S.C. 1681s-2 ( a ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681c. ( a ) ( 5 ) Section which states no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 6802 ( a ) states a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice.

15 USC 1692 ( c ) ( a ) states Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 USC 1692 ( b ) ( 2 ) states Any debt collector communicating with any person other than the consumer shall not state that such consumer owes any debt.

15 U.S.C 6802 ( a ) ( b ) states a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice to opt out.
I have included a copy of my credit report highlighting the inaccuracies on the ALLIED COLLECTION SERVICE account, an ALLIED COLLECTION SERVICE debt communication letter with violations, a list of laws you have violated, XXXX investigation results showing that this information has been removed, my original dispute letter showing the inaccuracies. I request that you take similar action and delete this information on my report with your respective credit bureaus as soon as possible.

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