Consumer complaint received 2022-02-17
Company: U.S. Collections West, Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In XX/XX/2020 used XXXX to purchase and pay in full for appliances at XXXX XXXX XXXX and XXXX in XXXX, AZ. The refrigerator had problems the first day. Asked for exchange and was met with laughter. Had 13 repair attempts, as one thing after another went wrong and during pandemic. Charged back refrigerator through bankcard company. Went back and forth. I supplied paperwork from XXXX on service calls in addition to their initial 3 attempts to fix. At one point XXXX XXXX XXXX and Appliances responded to chargeback and said it was fixed, it was not. I charged it back. I even called manager on dispute letter, whom was on vacation. Never received callback after 2 weeks, which is bankcard 's company required timeframe for re-dispute. I disputed the charge again because the refrigerator was not fixed, and part was on back order. The bankcard company sent the dispute back to XXXX XXXX XXXX and XXXX for response. After 180 days the bankcard company did not get a response from them. I phoned the bankcard company for status update and was told I won the dispute, arbitration was not filed and they would not be charging me back again for the refrigerator. One refrigerator part finally came in. However, after replacing the center flap 3 times, all 3 doors, 1 sensor, another sensor didn't work properly. I gave up calling for repairs at this point as we all got XXXX and my sister passed away. Low and behold, 6 months later I receive a collection notice from XXXXXXXX XXXX XXXX XXXX XXXX XXXX AZ that they were reporting me to XXXX. I called the woman on the letter. She said she was the collection agency and just wanted to know if I was going to pay or not, she didn't want to hear anything else. I received notice that a collection account was on my credit report from my bankcard company. The name of the company was XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( no follow up on what AKA is ) not XXXXXXXX XXXX XXXX XXXX XXXX. I don't know how they got my SS #, I never signed anything with that company. In fact, my sales receipt does not list XXXX XXXX XXXX XXXX XXXX company anywhere. I disputed their 2 hard inquiries on me that I did not authorize or apply for an account with them. I did this 2 times. I spoke to XXXX, provided copy of documents and was told they could run my credit without authorization and would not remove inquiries or collection account from my bureau. I had a XXXX credit score prior. 

1. I did not authorize credit to be pull or request an account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX, AZ ever, let alone a year later. Feel they used this company in retaliation for losing the chargeback dispute. 
2. I have absolutely no paperwork with that XXXX XXXX XXXX  or XXXX company 's name on it prior to collection. 
3. If this is XXXX XXXX XXXX XXXX XXXXXXXX XXXX process, it should be in writing on their sales receipt. Failed to disclose. 
4. When using a charge card to pay, how did they get my SS #? Fraud inquiry and account reporting. 
5. I contacted XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX processor to ask if their initial contract with a merchant stated ; if they lose a chargeback dispute they need to follow the processor 's arbitration process and/or cease and decease collection. What does XXXX XXXX 's Merchant Contract state? I was told they only speak to their merchants. Again, I was left hanging. I got XXXX XXXX 's name from the paperwork sent in by the Collection company. That even reads XXXX XXXX XXXX XXXX XXXXXXXX XXXX not XXXX XXXX XXXX 
6. Why could XXXX not remove their 2 hard inquiries and collection account from my report? I was left hanging with no help or recourse. What's the big deal in company 's obtaining your personal consent and SS # before running reports if this is allowed? 
7. I am XXXX years old, and a woman who has always tried to do the right thing. I'm still sitting with a refrigerator that is not 100 %. 
I have endured : faulty product, poor customer service, fraud inquiries, fraud account report, terrible treatment from collection agency with my credit damaged. Having 13 service calls to your home during the height of Covid and a death to deal with has all been so draining. Can anyone provide help? I want my credit cleared.

Company response to consumer: Closed with explanation