Consumer complaint received 2022-01-19
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In the latter part of XXXX, I withdrew from a class from XXXX XXXX XXXX. I did not think anything of it, as I never attended said class and withdrew for health reasons. After dealing with the same issues throughout XXXX, I re-enrolled in XXXX. XXXX informed me I owed money, which I tried to pay online. I was told I needed to pay Conserve, so I got their information and called them. Upon calling, I verified two things. One was how/when would the school would be notified of payment. The other was verifying that this would be removed from my credit report, which they confirmed. 

So after paying, I enrolled in classes and I thought everything was back to normal. Except Conserve never removed my tradelines. All attempts to dispute was met with the very typical, verified debt under FCRA, confirmed as paid. 

I submitted a XXXX  dispute, and they said they were legally required to report this debt. I let them know you can read plenty of reviews online of them removing tradelines, and much bigger companies do this often, and that this was what they promised to do for me initially. Mind you Conserve never contacted me one time to collect on the debt beforehand. 

To dispute their FCRA claim that they were required by law, I then, using the same FCRA laws, asked for the following : Under section 609, I invoked my rights to receive the documentation to support Conserve claims that this was a valid debt. 

Furthermore, I wanted the above information to show that they were also negligent in Section 623 of the FCRA. 

To highlight areas in which Conserve is not following the laws that they will bring up, I have listed specific examples below : You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. 
- Conserve not only is reporting a debt that they promised to remove, they are also inaccurately listing this debt, which they have verified. This would be illegal under the FCRA and, at minimum, would require them to remove the tradeline to do this activity ( See attachment - They have me listed as being put in collections XXXX of XXXX, this is inaccurate, makes my score look worse and provides an unnecessary financial hardship. 

Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. 
- As stated above, I have previously disputed the tradeline and inaccurate reportings. Conserve just gives the same generic answer over, and I do not believe they have really looked into this matter at all. Since they did not delete the inaccurate information, they are in violation of the FCRA laws. 

Furthermore, the original creditor has reached out to Conserve and ask them to remove this tradeline. The same generic response was given to them. 

On top of everything listed above, I think the burden of proof should be on the creditor. They have provided me with no documentation that has been requested, per my legal right, months ago. They have no phone call recordings of the initial call to back up their claim that the removal was not promised. They have not provided anything other than their generic responses. 

With my documentation attached, I would ask that the CFPB escalate this up if Conserve is not willing to do what they originally said they would, and currently legally should do.

Company response to consumer: Closed with explanation