Consumer complaint received 2020-02-01
Company: EOS Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello A company called EOS CCA which I believe is a collection agency, they never called me to talk to me about a XXXX unpaid bill ( supposedly ), placed a collection agency unpaid debt onto my XXXX  credit report as well as on my XXXX credit report. I called XXXX and they were nice enough to remove this collection agency reported debt from my credit report, however XXXX   refused to remove this debit from my credit report. This debt is not mine. I am not responsible for {$100.00} supposedly due to XXXX. XXXX was my internet and cable company for over a year between the dates XX/XX/XXXX and XX/XX/XXXX approximately. I decided not to use XXXX any more since their service was lacking quality and they continuously were raising the prices without prior notice, so I moved to another cable and internet provider, not before calling XXXX and asking them to revise their prices and give me a lower monthly bill. I was paying close to {$200.00} a month for basic services, cable, phone and internet and was very expensive for me and my daughter. After I switched to another service provider, XXXX started harassing me with calls about this {$100.00} bill, saying I owe them fees for contract cancellation before term. I never signed a contract with them and I had service for more than a year with them, so my contract was already expired, but since they were upset for me leaving to a cheaper service provider they wanted to hit me with cancellation fees, so I could stay with them. XXXX is a predatory company who is VERY aggressive with their customers and harassing them if you do not wish to continue the service with them. After 3 months of calling me incessantly, I called them back and told them I am not responsible for this balance and they should stop calling me or I will report them to the State Attorney 's office and the Consumer Financial Protection Bureau. The XXXX Customer Service Representative I spoke with on or about XX/XX/XXXX indicated that they would stop the calls and remove this amount from my balance. The calls stopped indeed, however after 3 months, I see that a collection debt from XXXX directly appeared on my credit report ( XXXX  ). I called XXXX  at that time, in XXXX, and explained the situation, or if I remember correctly I disputed this online and asked them to remove this from my credit report since I was not responsible for this debt. And they removed it back in XXXX. 

Now, 2 years later, XXXX sold this debt to this collection agency EOS CCA, who never called me nor did they send any mail to my house attempting to collect this debt, however they went ahead and placed this negative collection on my 2 credit reports, causing my credit scores to go down 24 points. I am in the process of buying a house and qualifying for a mortgage, and needless to say this has caused me a lot of grief with the lender giving me approval for my mortgage. 

I have asked XXXX  repeatedly to remove this collection item from my credit report however they have denied my request, saying it is against the law and they can only do it at the request of the creditor. However, my question is : Can anyone in this country place a negative collection remark on somebody's credit and negatively influence one 's reputation and credit scores without having any proof that this debt is correct? I would like for someone to take action and look into this and confirm that this debt is not mine and have this negative collection removed from my credit report immediately. This has caused me a lot of grief with my lender in the process of buying a house. My credit scores were excellent ( XXXX ) before this happened and now I am struggling to get approved for a mortgage. 

Appreciate your immediate attention to this matter. For any additional information, please do not hesitate to contact me at my email address XXXX XXXX

Company response to consumer: Closed with explanation