Consumer complaint received 2019-09-13
Company: Credit Bureau of the South, Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Delinquent Recovery Associates and Credit Bureau of the S ( as reflected on my credit report ) are both attempting to collect on the same alleged debt. This is against the law. 

In fact, my most recent communication to Delinquent Recovery ( see attached ) was in XX/XX/XXXX. DRA did indeed received my dispute and responded in their letter ( see attached ), dated XX/XX/XXXX. Their response did answer nor provide the documentation I requested in my letter to them. I requested a copy of the financial responsibility page for the alleged debt, a copy of the alleged signature with the provider of service to release any alleged medical information as well as cease any credit reporting until the debt has been validated by me. DRA did not oblige, nor provide any documentation to prove the alleged debt belongs to me. 

Two days later XX/XX/XXXX, Credit Bureau of the S ( as reflected on my report ), inserted this same alleged debt on my credit reports and has not provided me a dunning letter nor any correspondence that would notify me they were attempting to collect an alleged debt and provide me 30 days ( as required by law ) to dispute the validity of the debt. They blatantly inserted this entry on my report and have no evidence to prove such. Credit Bureau of the S has a comment on my credit report that states account is in dispute. I have never disputed this account entry with this company. This is a merely fabricated lie and lacks veracity. 

Delinquent Recovery Associates has received disputes from me. In fact, in my previous correspondence to them ( as recent as XX/XX/XXXX ), I requested that they prove the debt they placed on my credit reports and alleging I owe, is indeed mine. I never received a dunning letter nor any correspondence from them notifying me that they were attempting to collect a debt initially. They only responded when I sent my first dispute to them after retrieving my credit reports. I specifically requested that they provide an agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, alleged account number, original delinquency date, date this alleged debt became payable as well as complete accounting of alleged debt. To date, to no avail. Additionally, I have disputed with the credit bureaus and they submitted documentation that states DRA verified the debt ; however, DRA did not respond to my initial requests made to them sent certified mail. These erroneous, inaccurate, unverifiable entries on my reports are violating my consumer rights and has caused me denials for credit. 

In my most recent communication to DRA, I requested they provide a copy of the financial responsibility page, a copy of the alleged signature of the alleged provider of service to release any medical information, and cease any credit bureau reporting until the debt has been validated by me. To date, DRA has not provided any documentation that validates their allegations. Please see attached documents that reflect my attempts to communicate with this company as well as my credit reports that reflect this erroneous, inaccurate entry. 

The mere fact that DRA nor Credit Bureau of the S have never sent any correspondence to me notifying me that I owe an alleged debt is a direct violation of my rights. Blatantly inserting an entry on my reports and not notifying me violates my rights as a consumer to dispute the validity of their alleged claim. 

DELETE THIS ENTRY IMMEDIATELY AND SEND A FULL, UPDATED COPY OF MY CREDIT REPORTS THAT REFLECTS THE AFOREMENTIONED OUTCOME.

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