Consumer complaint received 2021-07-15
Company: Persolve, LLC - Legal - Series 2
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is a complaint against Persolve , LLC, dba XXXX XXXXXXXX, dba XXXX XXXX XXXX, XXXX listed at the following addresses ; XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, CA XXXX, XXXX XXXX XXXX # XXXX, XXXX MO XXXX, and XXXX XXXX XXXX, XXXX, CA XXXX all addresses and business names are listed on my XXXX, XXXX, and XXXX  Credit Reports. 
On XX/XX/XXXX I noticed an account listed on my credit report known as Persolve , LLC. Because I did not know what this account was about nor did I recognize the company that reported the debt I chose to investigate and to file a dispute with the three known Credit Bureaus, XXXX, XXXX, and XXXX. After I initiated the first dispute I noticed that Persolve , LLC ( address listed as the XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX ) the name that originally showed up on all three credit report changed their name to Account Resolution on my XXXX  and XXXX  report ( address listed as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MO XXXX and XXXX XXXX XXXX, XXXX, CA XXXX ). I also noticed that Persolve , LLC conducted three unauthorized hard inquires on my credit report on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have conducted additional investigations and reached out to XXXX which is the company that Persolve, LLC/Account Resolution claims to be collecting the alleged debt for. I reached out to XXXX on XX/XX/XXXX at XXXX XXXX  and inquired about this alleged debt. In speaking with the representative and being transferred to numerous departments, I was informed that the alleged debt was sold to Persolve , LLC and that XXXX was NOT pursuing any collection efforts against me. On XX/XX/XXXX I sent a certified Debt Validation Letter to Persolve , LLC. It was received on XX/XX/XXXX. I waited the legal 30 days and never received a response from them about this debt. On XX/XX/XXXX I sent a certified Cease and Desist letter to Persolve, LLC/Account Resolution to all the addresses listed on my credit report demanding removal of this debt. It was received on XX/XX/XXXX and to the date of this letter the account has not been removed from my credit report. On XX/XX/XXXX at XXXX XXXX  I contacted XXXX again to verify if they were pursuing collection of the alleged debt. I spoke with two representatives and was told again that XXXX was not pursuing any debt collection action against me and that the debt had been sold to Persolve , LLC. Additionally, I reached out to XXXX Charge Off department on XX/XX/XXXX at XXXX XXXX, spoke with another representative and was again advised that XXXX was not pursuing any debt collection efforts against me, that the debt has been SOLD to Persolve , LLC on XX/XX/XXXX which a few days later the account was reportedly opened on my credit report on XX/XX/XXXX, and that the vehicle was sold at the auction for the amount of {$3800.00} and that the XXXX  account was deleted from my credit report. I sent a certified letter to Persolve , LLC, and Account Resolution letting them know that I have spoken to XXXX and that XXXX is not pursuing any collection efforts against me. They still refuse to remove this fraudulent collection account from my credit report. I have filed a complaint with the XXXX XXXX XXXX and have found I am not the only Person this company has done this to. I have filed disputes with the three major Credit Bureaus, and they have claimed the account to be valid yet have not provided me with any proof of their findings. Additionally, Account Resolution was deleted from my credit report and Persolve , LLC has been reported for the same account. The account was changed only after the credit bureau closed their investigation. I have filed a police report for Identity Theft and an FTC Fraud Report for some other transactions that have appeared on my credit report and Persolve, LLC/Account Resolution has also been listed as a fraudulent account. I have never done business with Persolve , LLC, Account Resolution, Persolve Legal Group, LLC. I did not have a contract with them nor did I know about this company until this fraudulent reporting on my credit report appeared. Persolve, LLC/Account Resolution/Persolve XXXX XXXX XXXX did not notify me of this debt at all as stated by the FCRA, therefore I was not given the opportunity to dispute this debt until I discovered it on my credit report years later. They have conducted fraudulent practices to obtain my personal information, reported inaccuracies on my credit report, misrepresented the reason for their collection actions/fraudulent reporting, and reported a different company and address to the credit bureaus. The different company was reported upon the realization of my dispute being filed. These practices are ALL VIOLATIONS of the FCRA. I want this fraudulent account removed from my credit report immediately. I have followed all the rules as stated to handle this debt and Persolve, LLC/Account Management/Persolve Legal Group, LLC has not.

Thank You for your time and attention to this matter. 
XXXX XXXX

Company response to consumer: Closed with explanation