Consumer complaint received 2021-02-01
Company: Waypoint Resource Group, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had an account with XXXX that was closed for non payment in XX/XX/XXXX. XXXX initially hired XXXX to be a debt collector for the debt, but the debt was not sold. A collection for {$520.00} was placed on my XXXX  credit report on XX/XX/XXXX and I disputed it through XX/XX/XXXX on XX/XX/XXXX because I did not recognize XXXX or the amount. The result was " Deleted - XXXX  has deleted the account or record from your XXXX  credit report ''. A year later XXXX hired waypoint resource group to be a debt collector, but again they did not sell the debt. ( XXXX still owns the debt ). I'm not sure if after a successful dispute it is even legal to just use another debt collection company with a new date to report the same collection? Waypoint reported it to all 3 credit bureau with Opened Date : XX/XX/XXXX for the same total {$520.00}. I then opened a dispute on XX/XX/XXXX about the date being incorrect because this was a 13 month later date and was an illegal refreshing of the date, as i had made no contact or payments to XXXX or Waypoint. I provided them proof of my prior disputes by attaching a PDF showing the previous collection and successful dispute. The result of this dispute was " Verified As Accurate And Updated - It looks like this item is actually correct and that it's going to stay on your credit report, but info has been updated to reflect recent activity. '' I more or less gave up because I figured they were going to just ignore my disputes that are clearly provable and that id probably have to hire a lawyer until XX/XX/XXXX, when I tried calling XXXX 3 times but their phone system will not let you through without a current account number or the desire to purchase new service. I then called waypoint and they said basically that they would look into it, but on XX/XX/XXXX a XXXX collection department employee called me back ( you cant call them, you can only ask other people to have this unreachable department call you ). I explained to the XXXX XXXX department employee that the dates were wrong, and they said they could see that and would have it fixed. It was not fixed and still hasn't changed as of today. I then called XXXX on XX/XX/XXXX and after 2 calls reached a real person who told me that you cant call the collections department, but that she would put me on a list for them to call me. On XX/XX/XXXX the Collections department called me and i again explained the situation and the lady was very nice about it and said she had never seen anyone ask for a date to be corrected. She wasn't sure how to correct it but she said she would find out because she agreed the date was wrong. And now 3 weeks later the date is still wrong. If necessary i have pdf print outs and emails from all the disputes, and showing the original collection by XXXX and the second collection by Waypoint. Thank you for your time reading my issue.

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