Consumer complaint received 2019-05-18
Company: Rent Recover, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2019, I applied for a home mortgage loan. The loan officer suggested several items that needed to be cleared from my credit. I contacted debt collector Rent Recovery ( Original debt is XXXX XXXX ) on XX/XX/2019. I spoke to a representative to inquire about a settlement to get this off the credit bureaus. They gave me 2 solutions. They proceeded to go over charges the debt is a total of {$7800.00}. A previous water bill was included in this amount. I stated that I previously filled that amount in bankruptcy, but my bankruptcy was dismissed. The representative said she will have to talk this over with her manager and to call her the next morning. When I called the next morning, I was told my file was in current bankruptcy status, and to contact my lawyer and they hung up the phone. I called back, proceeded to give my name, and was told again, Mam your in bankruptcy status, and Im going to have to disconnect the call. I called back again, this time I didnt give my name, but asked to speak to a manager, because I was not in bankruptcy status. They switched me over, and then that person said they would have to disconnect the call. I called back, to ask, can I please have an email, or other contact information where I can show Im not in bankruptcy status. A representative told me to mail in a letter from the law office that says my bankruptcy was dismissed. I asked can an email it or fax. The representative said they didnt have an email or fax number, they gave me the address. I went to XXXX  on XX/XX/2019 ( please see attachment ). I sent a letter saying my bankruptcy was dismissed. It was received on XX/XX/2019. I called Rent Recovery on XX/XX/2019, and asked them if they received the letter, a rep said Mam you are in bankruptcy status, please have your lawyer contact us. On XXXX XXXX, I went to work late to go up to the bankruptcy office. I told them my situation, I also called in to a representative from the bankruptcy office, and a representative from the bankruptcy office called on 3 way to Rent Recovery to explain that I was not in any active bankruptcy. The representative from Rent Recovery told the representative from XXXX XXXX  office, Mam she has to wait unit her file is uploaded, Im going to disconnect now. I then reached out to the original creditor on Social Media and called them ( Please see attachment ). Still at attempts to speak to someone about this account I wasnt getting anywhere, next, I called to put in a dispute with the 2 credit bureau XXXX  and XXXX. After reviewing my credit report from XXXX, Rent Recovery first appeared on this report on XX/XX/2019. Then it was removed XXXX  XXXX, its no longer there. However, It appeared on XXXX  report on XX/XX/2019, and its still there. I called to file a dispute and A representative from XXXX  says its not listed in bankruptcy status, I said I know but they refuse to talk to me. XXXX  and XXXX  are investigating my dispute. On XX/XX/XXXX I received an email from XXXX XXXX, saying they reached out to Rent Recovery, and they emailed my bankruptcy dismissal letter. And a representative from Rent Recovery said they will be in contact with me by Monday. I asked, if they gave the letter, they spoke to bankruptcy tepstentatives why wouldnt they just update my file today. I then called Rent Recovery again, and they said my file was still in bankruptcy status. This company is deliberately trying to keep derogatory information on my file.

Company response to consumer: Untimely response