Consumer complaint received 2020-07-08
Company: Receivables Performance Management, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am filing this complaint in response to previous filed complaint # XXXX I first noticed Receivables Performance # XXXX on my credit file XX/XX/XXXX on my XXXX  Credit Report I mailed out dispute and validation letters to all three credit bureaus and I have still yet to receive validation letters from Receivables performance to this date. 

In result the Credit bureau deleted / removed the account from my credit report. 

I recently received a updated Credit Report from XXXX  dated XX/XX/XXXX and Receivables Performance was not listed because it had already been removed also. 

Upon me recently getting an credit monitoring alert that Receivables Performance had reinserted the collection account back on my credit reports was XX/XX/XXXX through a online credit monitoring notification. 

I sought out more information, and it was reinserted from XXXX  and XXXX  now that Im educated that its not Receivables Performance fault, they did what XXXX  and XXXX  allowed them to do. Tho by the FCRA law they were supposed to inform me of a reinsertion within 5 days after and I have still yet to receive that notice from either party to this date. 

Okay So I have looked over the reported information from Receivables Performance and notice they have performed unscrupulous practice, this collection agency negatively re-aged the collection account, changed the ongoing date of the delinquency which is violating of the FRCA. An illegal debt collecting practice and I will also petition the credit bureaus directly. 

The former representative from the last complaint admitted I have never had conversation with anyone at Receivables Performance nor have I ever made a payment so re-aging the delinquency amongst other tactics your company has performed is illegal per DOFD. 

I have attached the appropriate documents of 2 credit reports of different dates and you will see the changed dates on each report. 

In response to XXXX XXXX rep who responded in my last complaint I would like to ask him/ his company these questions Debt validation letters have been sent out the latest was XX/XX/XXXX your company received my letter and to this date XX/XX/XXXX I still have no reply from your company and my address is current on all my credit reports. 
XX/XX/XXXX you alleged someone in your company emailed me a letter of notification of the debt. Whats the name of the person? Can you please provide proof of the email that was sent and to what email address? 
My email isnt public so I am pondering on how your company would even have gotten my email address as you admitted that I have never spoken to your company and my email isnt on my credit report. 
You also state you me company allegedly sent several other notices to my email address, Well please furnish proof of sent emails, also what were the name of the person ( s ) who sent the notices, what were the dates? What information were in the emails please furnish your proof. 
Lastly you stated multiple attempts calling a number ending in XXXX, please list the entire number and the dates the number was called so I can see if the number belongs to me at the time you alleged the calls were made. Whats the name of the person ( s ) at your company who made the call? 
Lastly at the end of your statement XXXX you said your company no longer handles this account it was recalled by original creditor XXXX XXXX. 

On XX/XX/XXXX I contacted XXXX XXXX Final Bill Financial Care Department  spoke with a representative XXXX id # XXXX the call was also recorded, I asked her did they recall my account because XXXX a representative from Receivables Performance stated that and her response was NO your account was referred on XX/XX/XXXX ( 50 days after the final bill ) to Receivable Performance, it was never recalled, we never recall accounts once its referred to collections. This account was referred to collections XX/XX/XXXX and collections still own account. 

Again XXXX statements has been contradicted So XXXX stated Im the last complaint his company no longer owns/ handles my account. 
My question Im response to his alleged statement is if thats true WHY DID YOUR COMAPANY JUST UPDATE THE ALL THREE CREDIT BUREAUS XX/XX/XXXX?? 1 or 2 days before he replied back to this complaint. 

XXXX. XXXX please answer my question as of what date does your company NO LONGER handle my account? Who NOW handles my account? Are you able to furnish information please sir? 

Thanks for your time CFPB

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