Consumer complaint received 2018-10-15
Company: Receivables Performance Management, LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
All of a sudden a debt collection showed up on my XXXX and now my XXXX as well original debt collector is XXXX XXXX. I have never had an account w/ XXXX tv in my whole life. In fact a few years back this same debt showed up and was found to be a different XXXX XXXX in a different state and it was cleared up rather quickly. I am fairly certain this is probably the same thing. I have lived in XXXX XXXX NV since 1998 and no other state since ever for the record How are they allowed to put it back on after it was already cleared up? I can't even attach proof because there is none! So by asking them for proof they won't be able to find any and if they find something they will realize it's an error or another person or whatever. 

This time I tried to call them direct several times and could never get anybody correctly and then was told to dispute w/ the credit bureaus there was nothing they could do?!?! I did dispute w/ the only credit bureau that was showing it at the time XXXX  and I just received my results confirmation # XXXX they are reporting that the debt belongs to me and is verified. of course they can not send proof because it is not mine and they are finitely violating my rights and I am sure something in the Fair credit reporting act. The fact that you can't reach anyone and ask for proof is ridiculous!!! I have re disputed it again w/ XXXX and about to start w/ XXXX the new XXXX dispute conf # is XXXX. I have been trying to get a loan for a house and this just set me way back. There should be repercussions for their actions. This is completely absurd and unfair. 

I have another similar situation I disputed multiple times w/ XXXX XXXX for a medical bill but I have had health insurance and asked for proof and asked the credit bureaus to ask for proof and of course never got anywhere w/ that either. These companies report back " debt verified '' They may honestly think the debt is valid but they should have to prove how. I have always had medical insurance since the day I was born so obviously not mine again. All I was allowed to do was make a consumer statement on my credit report to the bureau but that did not help my credit it basically did nothing. Please help me with these two collections. Please tell me my rights and what I am entitled to do and how to retaliate and get this correct. I would also like to take some sort of action against both as they should not get away w/ this and should be made aware and change their policies of " verifying '' a debt. This is completely unfair to consumers!!!

someone told me something about the Burden of Proof in the Fair Credit reporting act years ago. Can we look into all the violations of all the times I requested proof and received nothing and fine them? Seems like that's the only way to get through to unfair practices being done to consumers by companies. Please tell me what disciplinary action is taken against them once I am proven correct. 

One more thing ... How do I report that these companies owe me money and then when the bureaus ask I will just report back " debt verified '' very generically. I would like to give them a taste of their own medicine!

How easy is it for companies to report incorrect information? Seems to me it must be very easy? What kind of compensation can I get from these companies? Home prices are on the rise and I can show proof of my Home loan inquiry and credit score dropping and home prices rising here in XXXX XXXX! 

Sorry for the long message, so many questions, and all the scenarios. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation