Consumer complaint received 2019-01-20
Company: ATG Credit, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX To : Consumer Financial Protection Bureau please investigate ATG XXXX XXXX  XXXX XXXX, IA XXXX Consumer ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX D.O.B XX/XX/XXXX XXXX ***Complaint : Company in Credit file should be removed. XXXX  continues to state that they have completed my dispute I see no changes I was not given any documents from them. 

What Happened : ATG pulled my school records that they should not have. They have no proven balance from this bursar receipt they retrieved. This account should be removed from my report. They produced to me a admission copy from XX/XX/XXXX I have 2 degrees I have not stating that I never went to XXXX I do not know where they keep getting my personal information from although they have no provided proof of a balance for {$10000.00} Who : Company complaint. 
ATG*****account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX The people involved : They will not sign any of the letters they send to me so I dont know who the people are other than ATG Result : Issue : Remove Account Company Account : ATG Account : Account # XXXX This account was previously deleted please remove. 

This company is breaking the law and they know it. 
1. I never made any payment 2. I never acknowledged this account 3. I  never spoke to anyone in reference to this account 4. The statue of any limitation has been exhausted This account is not valid 5. This was an account brought by other which was removed from my report previously FAIR CREDIT REPORTING ACT SECTION 609 This is a consumer disclosure section 609 which is to provide for the protection of consumers against false an erroneous reporting. This section of the FCRA places the burden upon the credit bureaus and the creditors to provide the credit bureau a true copy of the original signed creditors documentation FCRA section 611 : Investigation results. Please forward to me whom you spoke to, the number you called, the title of the person you spoke to also the address and any providing documentation. 


***Complaint : Company in Credit file should be removed. 
ATG***** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX 1. This  company is reporting an account in my credit report with no valid legal right 2. This company pulled my college records without my knowledge 3.  This company is a fraud they submitted nothing to credit bureau and was able to add this to my credit report. They should not have been allowed to do this. 
4. I want this company investigated and this removed from my report 5. I  do not have an account with this company. 
6. This company falsely pulled information they had no right to access Federal Trade Commissions Consumer Response Center XXXX XXXX XXXX XXXX XXXX. 
Washington, DC XXXX XXXX  NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( ATG ) must send to me what legal right you have to pull any school records about any person. You have not proven to me the time or balance documentation, of the foresaid debt you stated occurred on the client you mentioned. You have printed off a statement of a student records from bursar office that you were never given the right to do. That had no indication of a {$10000.00} I demand you take this charge off of my report. You have not proven to me or any other entity of this charge from beginning to end. You have merely supplied me with a print out of school class charges in which does not indicate this charge or past due balance. 

You are obligated to produce to me the date of the original balance and the occurred charge I have not been in school since XX/XX/XXXX there were no charges produced in XX/XX/XXXX.For any student nor I am conceding to any of your charges or you allegations I am going to report you to the fraud department for allegedly stating that I received these charges XX/XX/XXXX without any proof of such matter you XXXX   and XXXX  allowed this to be put in my credit report it is discrimination, yet you have a breech and no one does anything. You have not proven nor given to me a balance bill or and presumed balance charge from the entity. Remove from my credit report.

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