Consumer complaint received 2017-09-21
Company: United Credit and Collections Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XXXX XXXX 2017 I checked my PO Box and there was a notice there from a collection agency to the name of " XXXX XXXX XXXX '' I instantly called ( XXXX ) the number on the front of the letter and got a lady named " XXXX '' ( I think I really do n't remember her name. She asked me did I know the debt I told her I did n't and asked what this was about. She asked me to verify my last of my social or she would n't be able to provide me any information. I told her I didnt feel comfortable and she said she did n't know what else to tell me. I verified the last 4 digits of my social and she said I owed this bill. I told her I didnt know what the bill was and may I speak to a manager. She stated that I knew what it was and that I would need to pay it. She said it was in my name. I explained to her thats not even my correct name yes my name is XXXX but my last name is n't XXXX. I asked for a manager again and she then hung up. 

I called back ( XXXX ) and got a different lady. I immediately asked for a manager and she stated she was a manager and her name was XXXX. I verified the last of my social and information. She then stated that the debt was to A XXXX XXXX and that I lived at XXXX XXXX XXXX XXXX in XXXX XXXX MO. I explained to her I do not know that address and that is it possible for her to share the information on the application. She stated that application states " XXXX XXXX '' and a social of XXXX I told her thats not even my information she said yes it is they just misspelled the information on the application by accident. I told her you ca n't misspell any information. If it says XXXX thats not XXXX! I then told her again that was n't me and she said well get a police report XXXX XXXX or its going to stay in our office. I asked her why am I getting a police report when its not even in my name nor social but you put it on as if it was. I also explained thats not my last name and she stated well XXXX XXXX its going on your credit and and your job will know and we 'll see you soon and hung up. 

I called the company listed at XXXX and they could find any information with my name. The last stated it did n't make sense for a collection company to call me if its not in my name and I agreed and we hung up. 

I called the collection agency back and recorded the call.I go XXXX again and asked her could she send me a copy of the contract she said she could mail that out but was n't able to email the information. I asked her t verify all the information again and she complied and again none of the information on he contract is my correct information. I have attached the recording. 

They changed the name from XXXX to XXXX and that is totally ILLEGAL. You ca n't assume its someone else just because you feel as thou that is correct.

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