Consumer complaint received 2021-06-22
Company: Mountain Run Solutions, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On approximately XX/XX/XXXX, my wife had a collections item appear on her credit report for XXXX XXXX showing the collection was opened XX/XX/XXXX. She immediately contacted XXXX XXXX who confirmed they do not have, nor ever had, an account in her name, my name, or our home address, on file. She then contacted the collection company, Mountain Run Solutions, who told her a copy of the contract and itemized statement would be sent to her within a week. 

On XX/XX/XXXX, Mountain Run Solutions had never followed up and sent the information so, she contacted them once again. They were advised that we never had an account with XXXX XXXX. No reply was ever received. 

Then, on, or around, XX/XX/XXXX, the collections item was removed from her credit report and placed on mine under the name, XXXX XXXX. Again, I immediately contacted the company regarding this issue. 

Finally, on XX/XX/XXXX, XXXX XXXX sent the contract and a letter showing the debt from XXXX XXXX was bought by their company in XXXX of XXXX. Still, we never had an account with XXXX XXXX ; however, after reviewing the contract, we discovered the account was actually with XXXX XXXX and signed XX/XX/XXXX. 

At this time, we spoke with the agent that sold us the security system and confirmed we cancelled our services, as required in the contract, and made the equipment available to the seller, as required. If he did not pick the equipment up, that is no fault of our own. It was available. 

We were never notified that XXXX XXXX bought out XXXX XXXX, nor were we sent any type of bill showing what we owed, or for what- from any of these companies. To this day, this collection agency has not sent us an itemized bill to let us know what this debt is supposedly for. The only thing we received is the contract that shows the address the security system was being installed at, where motions were installed in the house, the monthly charge for monitoring ( {$44.00} per month for 36 months ), and your usual verbiage regarding cancellation and credit procedures, etc. 

We did everything we were required to do. If we owe something, we were not properly notified, nor would this debt be from XXXX of XXXX. Again, this contract was dated for XX/XX/XXXX and only for 36 months, which would be XX/XX/XXXX. No one from XXXX XXXX, or Mountain Run Solutions, attempted to contact us ; we only found out about the alleged debt when it appeared on my wifes credit report, then removed from hers, and added to mine. We thought our identity had been stolen because the fact XXXX XXXX confirmed no account was found in their system for us. 

We have reached out numerous times to this collection agency to no avail, disputed on both our credit reports, and nothing has been done to resolve the issue. The charge is for {$2000.00}. This is more than it would even cost for three years worth of monitoring. It is severely impacting our credit, and is not even correct or truthful. If you look at the dates of their demand letter and, proof of purchase, they are dated for the date I was finally able to contact them.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation