Consumer complaint received 2016-05-14
Company: Collections Acquisition Company, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
A company by the name of XXXX ( a company which, by the way, no longer exists ) has been unlawfully reporting XXXX invalid " collection '' accounts in my name since XX/XX/XXXX, for the amounts of {$210.00} and {$210.00}. I first discovered these errors and several others when I pulled my own credit report for the first time in many years while looking for a house. I pulled XXXX initially and upon receipt was shocked and highly concerned to find a significant number of invalid, inaccurate, and just blatantly false information. I immediately entered a credit dispute with XXXX for each and every " collection '' account listed due to the fact that : 1. I recognized NONE of the companies reporting said " accounts ''. 
2. I HAVE NEVER even sent a payment in late, let alone missed one entirely, and would most certainly not allow a debt to simply go unpaid. 
Fortunately, XXXX and each " creditor '' they contacted in an attempt to validate the supposed collections agreed that not one of the accounts were valid, and the outcome of that dispute was that all were deleted/removed within a 45 day period between XXXX/XXXX/XXXX - XX/XX/XXXX. The XXXX XXXX accounts did differ from the others in the fact that, once I was provided the name of the original creditor, I did recognize the situation in question. What they are calling " accounts '' were actually XXXX checks written for textbooks to the campus bookstore at XXXX XXXX XXXX XXXX College, but that had been PAID IN FULL immediately upon notification that the checks had been returned due to NSF ( calculation error on my part when reconciling my checkbook ). I realize 7 years is a long time ago, however, there is no question that the checks were paid promptly and in full. Here 's why : - The one and only time I had to physically go to the Bursar 's office was to remit payment for those checks. All other tuition and fees were paid online as it was an XXXX course. 
- XXXX XXXX XXXX is not my XXXX XXXX. I took XXXX XXXX class through them to fulfill a XXXX hour XXXX requirement I needed to graduate on time with my XXXX from XXXX University. 
- As a XXXX, if I had had ANY outstanding balance whatsoever, XXXX XXXX XXXX would not have released my transcripts. Clearly, though, they did release them. Otherwise I would not have graduated as planned, and yet here I am staring at both that XXXX degree and my XXXX from XXXX, as we speak. 

After realizing how riddled with errors my XXXX report was, I pulled XXXX and XXXX as well. Sure enough, I found many of the same completely invalid " collection accounts '' were being reported to XXXX and XXXX as well. So I entered credit disputes with both XXXX and XXXX just as I had with XXXX. To my shock and disgust, the results of said dispute indicated that these collections would remain on my report. I have since filed re-disputes for these items through XXXX with the same results. I 've also contacted XXXX by phone and explained that these accounts have already been deemed invalid and deleted from their records. Not to mention the fact, that it IS THEIR duty to conduct a reasonable investigation, and I 'm not sure how you can claim to have received a response from a company that no longer exists. They have been entirely unhelpful. I 've also attempted to contact XXXX ( currently know as Payliance ) directly to bring to their attention to the fact that they are not fulfilling their legal obligation to have these accounts deleted from any/all credit bureaus to which they 've been reporting falsely. I noted the dates the accounts were invalidated by XXXX, and receive nothing but a form letter in return. The bottom line is XXXX is not doing their due diligence in investigating this issue and XXXX/Payliance is just blatantly breaking the law by continuing to report information that they 've already conceded as false.

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