Consumer complaint received 2020-06-03
Company: MRS BPO, LLC
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I had a 2nd property that I moved out of in XXXX of XXXX and had filed a forwarding address request with the USPS. I have since moved to XXXX and applied for a new home mortgage in XXXX of this year ( XXXX ). Upon doing so, found that there was a delinquency on my credit report from what would have been my final utility bill at the aforementioned property for {$68.00} that was never forwarded to me. Upon finding this out, I immediately contacted XXXX XXXX and XXXX XXXX, explained the situation and paid the bill in full immediately over the phone, of which I have a letter/receipt showing account paid in full. Thinking this would resolve the problem, I was told that it would have to now be taken off the credit bureaus ( XXXX, XXXX, XXXX ) by the collection agency known as MRS BPO , LLC headquartered in XXXX XXXX, NJ. Upon contacting them and asking for them to have the credit delinquency resolved was told the best they could do was to issue a letter stating that the bill had been resolved and the account was closed, and sent me a letter stating this. When this letter was presented to the bureaus, was told that this too was not acceptable because there was a sentence that reads " This is contingent on the clearance of any non-certified funds. If any non-certified funds do not clear, this will be null and void ''. The statement " null and void '' was also rejected by the credit bureaus and MRS BPO would not alter the letter to have this removed. We went back to the creditor XXXX and asked them to communicate with MRS BPO that this should be removed from my credit history and were told that that was against their company policy and would not. I have been provided letters now from XXXX, MRS BPO and XXXX all stating that the amount has been paid, but all refuse for one reason or another that they would remove this delinquency from my report so that I may indeed receive the above 800 credit score that I've maintained for nearly 2 decades, all over {$68.00} that the USPS failed to forward me, and now causing me to have a sub 700 credit score costing me potentially a higher mortgage interest rate and income that would be otherwise used to support my family. I am requesting your help to have this removed, as this plea/request is my last resort at this point. I have impeccable credit, and should not be penalized for the misactions by a very large organization ( USPS ) and the unwillingness of which there is absolutely no benefit for helping me to right this situation. Thank you in advance for your assistance.

PS - I was told by XXXX that all the collection agency ( MRS BPO ) had to do was send an " electronic report stating that my account should be removed from my credit file '' and they ( MRS BPO ) emphatically, rudely and unprofessionally denied that request and stated it was not their " company policy '' to do that. 

Original dispute address is : XXXX XXXX XXXX XXXX XXXX, MD XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief