Consumer complaint received 2019-07-13
Company: EOS Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had first noticed that there was a debt collection from XXXX XXXX when I was receiving communications with a debt collector. I had recently moved to XXXX Pennsylvania and terminated a position with a construction company that I had personal relations with an owner of it. I had several accounts from the company in my name such as XXXX and had debt collectors calling me regularly for items that the company refused to pay on because I was an authorized purchase agent. I assumed the collections on behalf of XXXX were for this reason although I had never had a XXXX phone or account. After moving to a new area, hours away, and starting to receive the phone calls for debt collection I sought out assistance and was using XXXX XXXX who promised that they had experience with these issues and could have it taken care of. After several months of action with no response from XXXX, I was advised to file for identity theft because the account was identified to be in my personal name and not a company name. I contacted the debt collector which by this time had been sold from XXXX to XXXX XXXX XXXX to EOS-CCA collections companies and explained the situation. When EOS-CCA contacts me they ask me to verify random information regarding my identity before they will acknowledge that they are debt collectors. They provide me with an address I previously resided at and in fear of identity theft occurring again I refuse to provide them with an updated address. They contact me stating " We are contacting you today in regards to a personal matter, I have your address of XXXX XXXX can you confirm your city, state, and zip code. '' They will then ask that I provide them with my name and an email. I have asked them who they are and what they are calling on behalf of and they will respond with " I can not discuss this with you until you confirm your personal information with me '' If I verify the XXXX XXXX address they will then tell me they are a debt collector. Until recently when I have been attempting to collect information for the identity theft claim EOS-CCA has refused to identify themselves and has NEVER informed me that they are contacting me and asking or my information in an attempt to collect the debt until I agree to validate the information they asked for. 

I have asked several times why the EOS-CCA is not being reported on my credit report but XXXX XXXX XXXX XXXX MN is, EOS-CCA declines that they were sold the debt by XXXX XXXX XXXX and have always been the debt collector responsible from XXXX and when I have disputed the claims on my credit report I receive notice that " XXXX XXXX XXXX  has verified the debt ''. 

I filed a report with the FTC, had XXXX XXXX XXXX provide me with a letter showing I have been a customer uninterrupted with them since 2012, and that I had data breaches with my XXXX accounts, work computers that lead to HIPAA violations, and with USPS where my mail was being stolen after being signed up for informed consent, without me knowing. XXXX XXXX claims that the account is non-fraudulent as per their proprietary software that determines fraud due to there being payments made on the accounts. It was offered to XXXX additional evidence that I had to close the XXXX account I had since high school due to my account and routing number being breached and excessive non-authorized charges being made on the account. XXXX refused to accept any of the information provided and stated that the wanted a police report although it would still not guarantee that the account would be removed because they have several factors that prove the account is not fraudulent but refuse to share the information with me. It was explained to XXXX I approached my local Police Department but they refused to accept a police report due to not being the area I lived in where the crime occurred and I approached the other Police Department where I had lived and was referred to my current department, I also live hours away from where the crime occurred. Despite offering ample evidence to XXXX XXXX I was informed by the supervisor of the fraud department that the derogatory remarks will remain on my credit report and that there are no further appeals available beyond this point and that whether I claim it is identity theft or not I am being held liable for the amount owed which was {$830.00} but after being forwarded to the 2nd collections agency is not {$970.00}.

Company response to consumer: Closed with explanation