Consumer complaint received 2023-08-09
Company: Eastern Account Systems of Connecticut, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Please note this is the second complain written on this company, the first complain Submitted to the CFPB on XX/XX/XXXX. I intend to SUE this company for fraudulent and re-aging of the account on my credit report, please let this second complain serve as such. 

RE-AGING OF ACCOUNT WITH DOCUMENTED PROOF As provided in first complain the original creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) confirmed that the last date of payment which is also known as the date of delinquency is XX/XX/XXXX which can be heard on the recording as evidence. ( In the amount of {$62.00} this can be heard at XXXX of the recording. ) On my credit report Eastern Account Systems Collections listed the date of delinquency as XX/XX/XXXX on XXXX, XX/XX/XXXX on XXXX and XX/XX/XXXX as stated on XXXX respectively. THIS IS PROOF THAT Eastern Account Systems Collections IS ATTEMPTING TO RE-AGE THIS ACCOUNT. 

WHICH IS ILLEGAL UNDER THE FAIR DEBT COLLECTION PRACTICE ACT ( FDCPA ) CREDITOR FCRA 623 ( a ) ( 5 ) ( A ) This " date of delinquency '' determines how long the debt can be reported on a consumer 's credit report. Generally, a CRA may report a delinquent debt for seven years from the date of delinquency. If the debt was discharged in bankruptcy, however, a CRA may report it for 10 years. I have never had a bankruptcy.

COLLECTION AGENCY ATTEMPTING TO COLLECT WRONG AMOUNT DOCUMENTED PROOF, WHICH IS FRAUDULENT. TRYING TO COLLECT MORE THAN THE AMOUNT ALLEGEDLY OWED I called XXXX XXXX  XXXX XXXX XXXX XXXX ( XXXX ) for clarification of the alleged debt. Eastern Account Systems Collections listed the alleged debt on my credit report in the amount of {$810.00}. In which the actual amount according to the original creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) is {$810.00}. THIS CAN BE HEARD AT XXXX OF THE RECORDING WHERE THE REPRESENTATIVE CONFIRMS THE CORRECT AMOUNT ALLEGEDLY OWE WHICH IS DECEPTIVE COLLECTION PRACTICE UNDER THE ( FDCPA ) Fair Debt Collection Practice Act ( FDCPA ) laws as stated here 15 U.S.C. 1692-1692p " The FDCPA broadly prohibits a debt collector from using any false, deceptive, or misleading representation or means in connection with the collection of any debt. 15 U.S.C. 1692e. The statute enumerates several examples of such practices, 15 U.S.C. 1692e, as well as several examples of unfair practices, 15 U.S.C. 1692f. 

PROVIDE ME WITH THE FOLLOWING : Is this a utility account? 
1. Provide the name, address, telephone number, and fax number of the original creditor. 2. Provide a copy of the signed lease of the address on the account.

3. The original contract with the utility company with signature, and payment history from the original creditor.

4. Provide documentation of the date the account was opened.

5. Provide documentation of the original amount due.

6. Provide documentation of the last date of electricity and gas used, at the address of the account in question.

7. Provide documentation of how the original amount due was determined.

8. Provide documentation of the date of delinquency and documentation of the last billing statement.

9. Provide documentation on when your collection agency received the account and what amount?

10. Provide documentation on the person ( s ) responsible for paying the account.

11. Provide documentation on when the date of the final bill was sent.

12. Provide documentation on a move out date.

13. Provide documentation on whether the person whos alleged responsible for the account moved out. Please provide documentation for each statement.

Statute of limitation 14. Please also note whether this debt is within the statute of limitation and how that was determined.

Details about your Authority to collect this debt.

15. Also include a copy of your BOND required to conduct business in New York State and within XXXX XXXX XXXX

16. Provide the date of the license, the license number, and the name, address and telephone number of the state licensed issuing agency.

17. If you are contacting me from a place outside my state, provide a debt collection license from that state.

18. Provide the date of license, the name on the license, the license number, and the name, address and telephone number of the state licensed issuing agency.

19. As per your own words provide me proof by way of United States Postal Service Certified Mail and/ or Return Receipt that you provided notice on this account BEFORE XX/XX/XXXX" Eastern Account System did send notice which was never returned as undeliverable. The account was placed in collections XX/XX/XXXX, the account did not report to the bureaus until XX/XX/XXXX, almost 60 days later. " Please be aware that until the requested details are furnished that you have not fulfilled the requisite to report this account to the credit bureau and must immediately remove this account from the credit report if you can not furnish the requested information as U.S. code, 15 U.S.C. 1681g ( b ).

Also, your permission to contact me or communicate with me by phone or any other means except by mail through the United States Postal Service is revoked per U.S code,15 U.S.C . 1692c ( c ).

PLEASE LET THIS SECOND COMPLAIN SERVE AS A WARNING OF MY INTENT.

I WILL FILE A COMPLAIN WITH THE FEDERAL TRADE COMMISSION ( FTC ), THE OFFICE OF THE ATTORNEY GENERAL IN THE STATE OF NEW YORK, ( OG ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND FILE FOR STATUTORY DAMAGES WITH A CONSUMER PROTECTION ATTORNEY.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation