Consumer complaint received 2022-11-08
Company: The Best Service Co.,Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
The original creditor was XXXX XXXX XXXX XXXX. 
A dispute was sent XX/XX/2019 requesting a block due to the fact that this account was originated Fraudulently. XXXX XXXX XXXX XXXX did not contest our request for the block to be resent. XXXX XXXX did not conduct a fraud investigation into the accusations requested by the consumer through the credit reporting agency. From that point the block is initiated and the count was removed from XXXX on the consumers credit report. 

Violation one, the reselling or purchasing of a fraudulent account. 

XXXX XXXX XXXX XXXX, knowing that this account was investigated as fraud, violating fair credit reporting act and the fair debit collection practices act as well as the consumer privacy protection act : By knowingly selling a fraudulent account to a collection agency to collect. Since the collection agency has validated that they have purchased this debt, this means that XXXX XXXX XXXX XXXX sold a fraudulent account to the collection agency to collect on. 

The company who receive this debt best service his company, has had numerous accounts with my name in their system that have been removed due to fraud. So this company is no stranger to the ongoing fraud issues that persist on my file. But this company violated my rights by placing this item back onto the credit report without giving the consumer notification of the debt and 30 days to respond validating the debt or explaining that the debt is a fraudulent account. Because this procedure wasnt followed the consumer had to suffer the reinsertion of a fraudulent account on his credit report which significantly dropped his score and placed a hardship on the consumer. 

Violations committed : Section 809 validation of debts : Within five days after the initial communication with the consumer and connection with the collection of any debt a debt collector shower, unless the following information is contained in the initial communication or the consumer has paid the debt send a consumer a written notice containing ( 3 ). A statement that unless the consumer within 30 days after receipt of this notice disputes the validity of the debt or any portion therefore, The debt will be assumed to be valid by the debt collector.

Response : The collection agency had the correct information to contact and notify the consumer. Because they were in possession of this debt, they have access to information from the credit for an AC which will give them accurate on time personal addresses and phone numbers to where this collection agency couldve contacted the consumer. Collection agency did not want to contact the consumer and by doing so deprived the consumer of this section. It was Sumer was notified in writing went three major credit reporting agencies requested that this information be blocked due to fraud.

611. Procedure in case of disputed accuracy 15 U.S.C.section 1681I Subsection be requirements are related to reinsertion a previously deleted material.

( I ). Certification of accuracy of information. 

If any information is delete it from a consumers file pursuant to subsection A, the information may not be reasserted in the file by the consumer reporting agency unless the person who furnish the information certifies that the information is complete and accurate. 

Best service company never certified the insertion of this information. They also never conducted an investigation into this account because this account was sold fraudulently. It was a fraudulent account that should have never been purchased from XXXX XXXX XXXX XXXX XXXX. Which verifies that XXXX XXXX violated the fair credit reporting act as well as the fair debt collection practices act. 

This service company holds multiple faults. The first is the reinsertion of this information without properly notifying the consumer of your possession of this account. As it states, the consumer will be notified of the account within five business days of you receiving it. After that, the consumer be allowed 30 days before any action is taken to report on the credit report reasonable time to respond. 30 days I believe is the correct time. 

Because best service company deprive the consumer of this right, the information was fast tracked to be reported to the credit report which intern damage the consumer.

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