Consumer complaint received 2015-12-19
Company: Duvera Billing Services, LLC
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On my TransUnion credit report I have a collection from DUVERA ( DVRA collections ) regarding an account opened with XXXX, XXXX. The account was opened XXXX/XXXX/XXXX and the account was closed XXXX/XXXX/XXXX. I contacted XXXX, XXXX billing department around XXXX/XXXX/XXXX to inquire about when the account was sent to collections, the representative stated the account was forward to DUVERA XXXX. But on the credit report, it shows that the collection was opened XX/XX/XXXX.-offense # 1-FALSIFIED INFORMATION. 

Also on the XXXX credit report, it shows that a last payment was made XXXX/XXXX/XXXX. First of all, I never made a payment on this account and second, it does not show the amount of the payment. 

XXXX disputes were made to XXXX on XXXX/XXXX/XXXX stating that I am no longer liable for this account being that the account was closed in XX/XX/XXXX and result was received XXXX/XXXX/XXXX that XXXX only updated the collection account. A second dispute was made within a week later and never received a response from XXXX. Around XX/XX/XXXX or XX/XX/XXXX I called transunion regarding the second response and requested the results. XXXX representative stated that he was not able to give me the results of the second dispute and it was sent via e-mail. Asked to provide the e-mail it was sent to and the e-mail used was incorrect. Stated this to the XXXX representative and again stated that I could not receive the results of the second dispute. Pulled another credit report from XXXX and the collection is still on my report. They did not investigate the collection agency for validation. They only updated the account showing that it is still open. Offense # 2-Failure to validate the collection account. 
I sent information to XXXX for investigation on this collection account on XXXX/XXXX/XXXX providing information showing that this collection account was fradulent for the following reasons : 1. The account was closed with XXXX, XXXX on XXXX/XXXX/XXXX, and the account opened with DUVERA ( DVRA ) collections on XX/XX/XXXX, but the company states that this account was sent to DUVERA on XX/XX/XXXX. There was showing " Last Payment XXXX '' on XXXX/XXXX/XXXX of which NO PAYMENT was made ever- the account from XXXX XXXX closed in XX/XX/XXXX. 

Conclusion : the collection agency re-aged the collection account from XX/XX/XXXX to opening the account in XXXX/XXXX/XXXX, which added 7 more years to this collection. They are showing a payment was made on XXXX/XXXX/XXXX, of which I never made any payments on this account, which means that the end of the 7 years on this collection ended XX/XX/XXXX. Please note that the account with the company was closed XXXX/XXXX/XXXX. There was no delinquent or late payments on the account being the account was closed days after the account with XXXX, XXXX was opened. It seems that DUVERA ( DVRA collections ) falsified information to open this collection. Third, they showed a payment that was not made using this to re-age this collection and provided addresses, that I believe does not exist. 

To validate this collection, XXXX packages were sent to DUVERA & DVRA Collections on XXXX/XXXX/XXXX and around XXXX/XXXX/XXXX and the first certified letter was returned around XXXX " Undeliverable '' and the XXXX certified letter sent is also showing " Pending. '' I used both addresses listed on XXXX credit report and from XXXX. Both of which, I believe does not exist. So, finally I requested another investigation with TU and sent supportive documentation to them to re-evaluate this collection. DUVERA ( XXXX collections ) fraudulently made up this collection and TU did not due diligently investigated this collection, they only updated this collection. Supportive information will be forwarded to you for your review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation