Consumer complaint received 2017-06-26
Company: Applied Business Services, Inc.
State: NC
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:
Whom It May Concern : I hope this email reaches you in good health and spirits. <P/>Back on Friday, XXXX XXXX XXXX, I received a FICO monitoring alert via XXXX XXXXXXXX monitoring subscription that a collection account had been reported to 2 of my credit reports. After investigating this unknown account further and gathering documentation and details, I was able to submit this information to XXXX XXXX XXXX County ( the original creditor ) who apologized for this mishap and withdrew the account from Security Collection Agency ( SCA ) .Once the account was withdrawn, I reached out directly to SCA to ensure this information was deleted from my credit reports. XXXX XXXX was deleted w/o issue ; however, XXXX to date, still has not removed this account. I disputed this account 3 times ( XXXX, XXXX, & XXXX ) with XXXX in which they came back stating that the information reporting is accurate. Again, I reached out to SCA who indicated that they received the dispute from XXXX ( electronically ) and replied instructing them to delete the account each time. However, XXXX continues to report the investigation results of the information reporting is verified and accurate. So it appears that SCA is blaming XXXX and XXXX is blaming SCA. So I submitted another dispute to XXXX, this time including the documentation stating that the account was withdrawn. I even sent the email correspondence between myself and the Deputy Director of Administration which clearly states that they have instructed that this be removed. For whatever reason, XXXX continues to report this account as being valid. I have attached all of the same documentation that I submitted to XXXX. <P/>I feel that XXXX is again, engaging in illegal and unethical practices. As a financially responsible consumer with a spotless credit history, this is mistake is costing me. I am set to apply for a mortgage in the next few weeks, and this is detrimental to this process and will cause extreme delay. I have done everything right, and yet, I am the only one being impacted. No matter how many times I talk to XXXX, they send me to inviduals in another country that reads from scripts. I asked them if they even read the documentation, they stated they dont have access to look at that information. I then asked to be transferred to a US based rep whom also told me the same thing. They also stated that they had not received any delete requests which I find odd in that I had no issues with XXXX. The US based representative indicated that I need to talk to their business office and provided me with the number. However, when I called, they stated they do not talk to consumers or handle consumer personal credit files. I am truly at a lost here and am not sure what I need to do. As a result, I am reaching out to your organization for assistance.

Company response to consumer: Closed with explanation