Consumer complaint received 2018-09-26
Company: The Outsource Group, Inc
State: FL
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:
XXXX XXXX XXXX XXXX Account Number : XXXX Client Account Number : XXXX, and XXXX To Whom This May Concern, I was contacted on XX/XX/XXXX at XXXX at XXXX and spoke with a gentleman regarding a debt that your company is trying to collect. I asked if this was on my credit report and was told that it had the capability of reporting but I had reviewed my credit myself and noticed nothing was there. I did inform the gentleman this was the first of me hearing about this as I was never sent a letter ( must be a Skip-Tracing error ) as i have not lived at the old address on file in years. I had my address updated as well. I also find it extremely strange and very poor collection practices that this account according to XXXX XXXX was opened as of XX/XX/2018 yet I did not receive a call until XX/XX/XXXX. 
On XX/XX/XXXX at XXXX I called into your office and spoke with your rep, I believe her name was XXXX XXXX . I was informed her that i was not seeing this on my credit but I wanted to set up a payment arrangement to ensure this debt would not affect my credit. I set up the payment for monthly payments of {$57.00} and the first payment was applied on XX/XX/XXXX. While I was on the phone with the rep I was informed this would NEVER end up on my credit and I was like great. I did ask for an updated contact letter as I did not receive the first one and she did seem confused as to how to request a letter. As someone that has worked in collection for 4 years this is a basic couple of clicks and the vendor sends a letter. Anyways I did finally receive your initial dunn letter. 
On XX/XX/2018 I received an alert from XXXX XXXX regarding a debt that had hit my credit. I reviewed XXXX XXXX and well this ended up on my XXXX and dropped by score by 70 points!!!!! I called back on XX/XX/2018 and spoke with a young lady and her supervisor and they were extremely helpful. The two individuals were confused as to why this reported as this was explained prior this would never hit my credit but what was also confusing as they could not see where this was updated with the credit bureaus and this was actually never reported. Well it is on my credit report clear as day. 
As of today XX/XX/2018 this is on both XXXX and XXXX and has dropped both credit scores by 70 POINTS!!!!!

I am needing these two accounts removed from my credit IMMEDIATELY! Not only was I told when setting up the payments this would never hit my credit but also informed a second time this was not to hit my credit and it has not even hit my credit. 
I have attached copies of my XXXX and XXXX from XXXX XXXX as well as a CFPB and XXXX complaint. This error has caused great stress and has been just a complete inconvenience as I keep a great credit history! Please remove immediately or I will pursue further in this matter. 

Please review the calls from XX/XX/2018 with XXXX XXXX and on XX/XX/2018 at XXXX

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