Consumer complaint received 2018-07-07
Company: U.S. Collections West, Inc.
State: AK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
See notice sent multiple times, still with no response : " In XXXX of XXXX, XXXXXXXX XXXX XXXX XXXX ( of XXXX Arizona ) made a collections filing for a balance associated with my account. The filing was for $ XXXX and was made to US Collections West. However, this action was made in error and I expect that it will be corrected in a timely manner. 

On XX/XX/XXXX, I provided adequate formal notice of lease termination ( 60 days ). Before the XX/XX/XXXX move-out date, I vacated the residence returned keys to adhere to the move-out procedure and agreement. I payed all fees associated with the lease and account, and had a XXXX  balance as of XX/XX/XXXX. The lease was formally terminated on XX/XX/XXXX as documented ( see the attached record ). 

At no instance did I receive any notice from XXXXXXXX XXXX XXXX XXXXXXXX regarding an outstanding balance, nor any notice that this alleged account balance would be sent to collections. 

Additionally, at no instance did I receive any notice from XXXXS Collections West regarding a collections filing or account opening. 

It was not until XX/XX/XXXX that I had any knowledge of the collections filing. My application for a credit account with XXXX XXXX was denied as a result of this error, and I swiftly contacted XXXX  to file a dispute. 

As a result of this error, my credit has been adversely affected to a severe degree, and I was denied a credit line that I needed to restructure my finances for an upcoming, time-sensitive purchase. 

I have made numerous attempts to contact XXXXXXXX XXXX, as well as XXXX representatives, with no response or answer. 
Again, I expect that this issue will be resolved in timely manner as a result of immediate action taken upon the receipt of this correspondence. I will need the new credit account opened as planned by XX/XX/XXXX. 

If this is not resolved with sufficient time for me and XXXX XXXX to open the new credit line with an amended and accurate credit report reflecting an accurate credit score, I will need to exercise my right to take action and seek compensatory damages as outlined by US Court of Appeals, Ninth Circuit, No. XXXX, XXXX vs. XXXX XXXX, FCRA Section 623, FDCPA Section 807 ( 8 ), FDCPA Section 809 ( b ) FTC opinion letter Cass from XXXX, and any additional violations  dated after this letter punishable by consumer laws not currently mentioned. 

Finally, if any additional credit bureaus beyond XXXX and or agencies received a report on this false filing and currently maintain a record that is currently beyond my knowledge, it is the sole responsibility of the filing party -- XXXX XXXX XXXX XXXXXXXX ( of XXXX Arizona ) to contact all additional agencies and ensure guilt is admitted for filing a false claim and that the record is swiftly removed. If this procedure is not taken, I will pursue compensatory damages for each violation of US Court of Appeals, Ninth Circuit, No. XXXX, XXXX vs. XXXX XXXX, and FCRA Section 623. 

IF I DO NOT RECEIVE A RESPONSE FROM INVOLVED PARTIES BY XX/XX/XXXX, I WILL TAKE LEGAL ACTION TO THE FULL EXTENT I AM ABLE AS A RESULT OF THE SERIES OF AFOREMENTIONED VIOLATIONS. 

Thank you for your cooperation and compliance. ''

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