Consumer complaint received 2019-01-28
Company: ATG Credit, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ATG collection agency took an old account from XX/XX/XXXX and put it in my credit report as if it were a new account. They also added funds to this account I have reported this to other entities as well please remove this from my report and also fine this collection company please. 




Additional information added 1. ATG are the ones who gave me the information to fight this 2. The bursar receipt they supplied to me states a balance from XX/XX/XXXX 3. The balance was {$4200.00} 4. This was since either paid or written off 5. I graduated with an XXXX XXXX and then I returned for my XXXX XXXX 6. I do not owe XXXX  anything 7. This  {$4200.00} was put in my report 8 years ago and deleted last year this company ATG found it and charge an extra XXXX to it and put it in my report 8. Remove this from my report 1 the statute of limitation is out for that amount and the charge was deleted 9. The added extra XXXX they have added is fraud 10. See FCRA Section 623 11. They sated this account was opened in XX/XX/XXXX this is not true they are falsely stating this. 

Consumer Financial Protection Bureau please investigate ATG actions XXXX. XXXX XXXX XXXX, IA XXXX Read Below please file a complaint with these people I have not heard a response from them after they alleged information to the credit bureaus XXXX  and XXXX  please read below. 

Complaint Against : ATG XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ATG Account # XXXX FTC : Please see below this company is not telling the truth I want them fine for pulling my school  records from XX/XX/XXXX. 

Federal Trade Commissions Consumer Response Center XXXX  XXXX XXXX XXXX XXXX. 
Washington, DC XXXX XXXX : Please review this company read below what they did to me and how they violated my HIPAA rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Please does not use an XXXX please manually investigate this and remove from my report. 

This company has falsely reported a debt in my credit report I have also sent to them a letter inference to the validation of this information they have not responded back to me. 

This company previously sent me personal information that was obtained from my personal school  records account which dated back to XX/XX/XXXX they according to section 623 of the FCRA has submitted false information to substantiate there alleged balance owed of {$10000.00} to XXXX. I want to know how they retrieve information that has nothing to do with their claim Either this company does not know how to comprehend a bursar receipt or they are making up their own rules. 

These are false charges created by ATG to inhibit funds from me. 

I ask that you remove this derogatory amount from my credit report I do not owe ATG as I do not nor ever had a signed contract with them to even mail me anything please remove ATG derogatory remark I will them immediately for defamation of character and false indications in my credit report. 

As I stated you have not proven that you are legally bound to be in my credit report. I as a state of NC resident am appalled at your action. The statue of any limitation must be abided by and you have not abided by any law as such weather it is NY or NC I will not permit this action to proceed. Remove your remark from my report remove your company and do not put it back in my report I am and will report you to the XXXX, FTC and any other county entity for your action. I want their license number and they restricted from collecting from anyone. This company does not have a license to collect anywhere they are a fraud. Please provide this information. The courts will request this information. 

You submitted a debt from XX/XX/XXXX in your paper work stating {$4200.00} XXXX  review the data. Beyond this you can not collect on a charge past the statute of limitation amongst other reasons. You submitted a 7year old debt this must be deleted you have a false statement. 

ATG you sent me documents from XX/XX/XXXX Furthermore, I do not have an account with XXXX XXXX XXXX as you mentioned. If you have purchased such debt from this entity you are liable to produce to the civil court your purchase receipt and all document that you presumed such debt exist. What gives you the right to steal anyones information I do not have an account with you or your entity where ever or whoever records you pulled you will be charged with theft. You have violated HIPAA in all  aspects. Who gave you my school  information and records? 

There charges are false and you have alleged a charge of {$10000.00} that is untrue that is my dispute.These people dug into my college  records and sent me my application from XX/XX/XXXX how is this proof of a debt they have XXXX debt in my credit and they show a bill from XX/XX/XXXX with no date and no billing date. This does not substantiate the balance indicated and this should not be in my report this bursar does not show your balance.

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