Consumer complaint received 2018-06-03
Company: Focus Holding Company
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have complained about this situation before and it is still not resolved or accurate. XX/XX/XXXX XXXX XXXX sent me to collections for a {$50.00} internet bill and {$100.00} for equipment that was not returned for a final bill with them. There was no way of me knowing about this because I moved from my former address on XX/XX/XXXX. I paid every bill that was due with XXXX on time all the time up until this final bill. I never received a bill or a statement a phone call or anything claiming I owed them any money because I didn't move into my current address until XX/XX/XXXX. By XX/XX/XXXX XXXX had sent me to collections already for a bill that I had no knowledge of due to the fact that they listed the wrong name on the account XXXX XXXX and my name is XXXX XXXX so that is inaccurate information. I disputed this back in XX/XX/XXXX and it was removed from all three credit bureaus immediately. I thought that was the end of it but to my surprise XX/XX/XXXX they sent me back to collections with XXXX XXXX XXXX for the same {$150.00} and once again I disputed it. This time it was only removed from XXXX  so I wrote a complaint against the collection agency from there they send me a copy of the original bill from XXXX Debt Validation letter and told me that I could handle this matter with XXXX XXXX from this moment on. I then get in contact with XXXX on XXXX XXXX I pay the {$150.00} that was owed and the customer representative acknowledges that is was a mistake on their end for sending me to collections in the first place because they had the wrong name XXXX XXXX listed on the account so therefore she agreed that the account was closed as paid in full and would be removed permanently from my credit report. XXXX XXXX keeps recorded phone conversations for quality assurance purposes so recording should be available between me and the representative for proof. On XXXX XXXX The account was removed from XXXX  and XXXX  and I thought it was finally over with. To my surprise again on XX/XX/XXXX it was showing back on XXXX  and XXXX as an collection stating that I had never paid the balance of {$150.00} and XXXX XXXX XXXX was the collection agency handling the account again. I call XXXX XXXX and XXXX XXXX XXXX immediately on XXXX XXXX and the representatives for both companies where rude, uncooperative, and gave me no helpful information at all. I keep calling these companies for the next few weeks to get an answer until a representative finally informs me that now instead of the account being removed from my credit report like I was told, the collection agency XXXX XXXX XXXX changed the status to paid in full and in doing so it is showing on my credit report as a negative collection/charge off. This is completely wrong and inaccurate information. I did not pay the collection agency I paid the original creditor XXXX XXXX. XXXX Agencies charge extra for the debt in order for them to get paid. I know this information so why after I paid XXXX was XXXX XXXX  even involved with account anymore. I would never had agreed to pay this bill if I knew it was gon na stay a collection and negative on my credit report. I should've never been sent to collections in the first place. I agreed to pay this bill with the original creditor XXXX XXXX for the original amount of {$150.00} and for it to be removed from my credit report. This is absolutely ridiculous that I have gone through all this for {$150.00}. I have lost the chance of purchasing a home and other credit goals I was hoping to accomplish because of this. This violates FRCA requirements because it is inaccurate information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation