Consumer complaint received 2017-02-28
Company: Sentry Credit, Inc.
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
XX/XX/XXXX XXXX Credit Report SENTRY CREDIT INC & XXXX ACCOUNT : XXXX SSN : XXXX DOB : XX/XX/XXXX Dear Sentry Credit Inc, I am one of those people that check their credit reports quite often, almost twice a day to ensure accurate and legal reporting of items. Today I wake up to a notification that you all have placed this account ( XXXX ) on my credit file after being aged for 4 years. This account was an XXXX debit card from XXXX. I recently called XXXX, on XX/XX/XXXX to see was the balance ever taken care of even though it was not on my credit. This was me simply trying to make sure I was in good standing as a customer and be proactive to take care of any past issues. They told me it was and I let them know I wanted to pay that day. ( Per the notes in the system ) I wanted to pay by debit card and they only accepted ACH payments and was not able to give me a receipt. I then told the representative that by the end of the month, I would go into a XXXX store here in XXXX and pay the balance in full by cash. 
I went into a store on XX/XX/XXXX and the lady could not find the account and stated she was new. I then told her do n't worry about it I would come later. Today I paid the account at XXXX, and I have a copy of the receipt enclosed with this letter. 

I am disputing the referenced account above as it has been reinserted back on my credit unethically and illegally. In accordance with the requirements of the FAIR CREDIT REPORTING ACT as stated below, I am herby requesting your complete compliance with any and all of the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material. 

*If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; Sentry Credit Inc. & XXXX has not informed me of reinsertion and I have not received anything in writing about this. This is a SERIOUS violation of the FCRA, and I reserve the right to pursue further action. This violation will result into a {$1000.00} fine payable to me. Your agency may avoid such action by immediately deleting this from my credit report. 

Thank you, XXXX

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