Consumer complaint received 2021-05-25
Company: R & B Corporation of Virginia
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I had this service when I lived in Indiana. When I cancelled account and moved out of the state ( XX/XX/2019 ), they were supposed to send me a mailer to send back equipment. I had not received first one they sent so I called on a recorded line and requested they send another so I could return equipment as I was leaving state in a few days, to which they did. I packaged up equipment and sent back sometime before leaving on XX/XX/2019. Then, in late XXXX ( XX/XX/2019 ) the first package mailer arrived but at that point, I had already left to moved to Arizona XXXX XX/XX/2019 XXXX. I have email from my landlord from XX/XX/2019 stating a package is sitting on my front door. I called my ex and asked her to check what it was and she informed me it was mailer from XXXX so I had her dispose of it. First I hear of anything being an issue is when I apply for credit 8 months later only to find out XXXX sent me to collections for {$100.00}. I called to find out why and thats when they said it was for equipment not returned. I told them I returned and asked them to use tracking number they sent me to track it, as what I suspected was they are tracking first mailer which I arrived after I had already sent beck second mailer. They said they didnt have that info ( or couldnt find it ). Since I know I sent back to them and they cant charge someone for nothing and report collections with no proof, I submitted a dispute stating what they told me and asked for it to be removed since it is clearly an error and I wasnt supplied any proof to the contrary. Also, they were sent back their equipment since Im the one who did it and if they didnt receive somehow, they should also have some sort of insurance on mailers they send to customers that they can submit. The dispute came back as there was sufficient proof. I submitted dispute again since they said they didnt have proof hoping I would get this so called proof since up until now, I have been provided words that equipment wasnt returned and thats it. No proof has been given to me, and there wouldnt be any proof as I did return equipment in mailer # 2. If they cant locate that box or tracking number, they need to pull the call as there is a call with me asking for the second box and they made it sound like that. 
Anyways, my credit is being damaged and I was now passed up on a HELOC because of this collection. I make over {$100000.00} a year but I refuse to bow to a companies attempt at extortion for {$100.00}. 
Also, I should not have to be making multiple calls to collections agent and creditor multiple times and filing disputes for a measly {$100.00} when they are wrong and can provide no proof to the contrary. They need to remove damaging information or better yet, locate the equipment that they received back from me. The modem and items in box should have IMEI or MEID numbers they can track the location of.

I work in data science and this is absolutely a failure in data handling practices that is causing real world damages to my credit score and, ultimately, my finances. Please help!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation