Consumer complaint received 2018-11-02
Company: EOS Holdings, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To Whom It May Concern : I recently pulled my credit report and noticed that you are still reporting this debt on my credit report. I have disputed this debt with the credit bureaus, and all three have verified that this is a good debt. 

I recently sent you ( XXXX ) A Notice of Direct Dispute, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have reported to my credit file. 
You failed to address the inaccuracies and Instead I was sent another collection notice from EOS CCA on your behalf asking for monies. 
I Validation/ correction request was Sent via XXXX # XXXX XXXX XXXX XXXX XXXX XXXX Ive requested validation for this account before, and have never received it. To remind you, validation consists of : Complete payment history, the requirement of which has been established via XXXX vs. XXXX Itemized account of the debt, as established by XXXX v. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XX/XX/XXXX ) Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor. 
Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) Intimate knowledge of the creation of the debt by you, the collection agency Your company has violated the following laws : 1. FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX XXXX, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XX/XX/XXXX, the courts ruled that reporting a collection account indeed is considered collection activity. 
2. FCRA 15 U.S.C. 1681b you did not have a permissible purpose for pulling my credit report. Under this section, you need to have a legitimate business need which is defined as the extension of credit, employment or insurance purposes. I also did not authorize pulling of my credit report. 
3. 15 U.S.C. 1681s-2 falsely reporting information to the credit bureaus. 


The listed items are entirely inaccurate and incomplete, and represent a very serious error in your reporting. I am maintaining a careful record of my communications with you and the credit bureaus for the purpose of filing a complaint with the FTC, the state attorney generals office, the Better Business Bureau, and of course ammunition in my upcoming lawsuit against you. 
This is the final request for debt validation before I file a lawsuit against your company under the provisions of the Fair Debt Collection Practices Act. You may wish to consult with a competent legal advisor before your next communication with me. Your failure to satisfy this request in accordance with the legal principals of estoppel will be constructed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees. 


Best Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation