Consumer complaint received 2021-05-12
Company: CDI Affiliated Services, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The first big problem that Im having with this collection is that I totally disagree to even owing the money theyre collecting on and they appeared on my credit report without giving me a notice and a chance to prove myself to NOT owe them before the account was placed on my credit report. Not only that, but also when I tried to solve this by myself and requested an itemized statement of debt to see what and why am I being charged for I was told that they were going to send it to my current address. This was in 2018. But until this date, I still have not received anything from them and its ridiculous, after numerous of calls they still wont help me solve their mistake. To make things worse, they said the initial notice was sent to the address the XXXX XXXX gave the collector. This brings two problems with what the collectors are saying. One, either the apartments DID get my notice to move with a forwarding address making this debt a lie. Two, they gave the collectors the address where I lived BEFORE I moved into the apartment or my apartment address for the collector to send me an initial notice which of course I didnt receive. The collector even admitted they had to skip trace me because they had other numbers for me which proves they didnt have my number initially to call me before this was placed on my report. 



After various attempts to solve this by myself, I decided to go get help from someone with more experience on this type of situations and he proceed to call them with my permission. First, he spoke to XXXX and since she seemed to not be able to handle the situation my representative asked for a supervisor. After that he was transferred to XXXX ( Supervisor ). XXXX stated the Itemized statement was sent to my old address and not my current address, she also stated that after I put the account under dispute, I was sent a letter which I had to reply to with proof of not owing the debt and since I never replied they validated the debt to be mine and cancelled the dispute. The big issue is that I never got any letter so they just cancelled the dispute and the account is there on my credit report hurting my credit. Once again, they took action without getting me a notice or chance to validate my dispute which they should have done so and therefore violated the fair credit reporting act. They even kept collecting on the debt and affecting my credit report since it went back to my credit report after 30 days of dispute. How am I supposed to reply to them if they dont even reach me? Even my representative was told that I did NOT get a letter and since I did not reply to what they mailed me they ended the dispute and claimed the debt to be mine ( If I had received a letter or any other type of notice I would have replied. ) Also, I did send them a dispute letter of my own as well as to the credit bureaus. You want to know what response they gave me? We didnt receive your dispute letter ... Even my representative asked them how they were being hypocrites by saying they are validating the debt because they never got mail return when they sent me a letter but when I said I sent them a letter they are saying since they never received anything this was valid. So when I say I dont have anything from them I get punished with a bad report but when they say they got nothing from me its ok? I was told by my representative that the action theyre taking on me is against the fair credit reporting act so this is the reason of me filing this complain to see if someone could assist me with this problem that Ive been having for around 4 years now and hopefully put an end to my frustration. 



Also, not only are they saying that I owe them money and theyre affecting my credit report, but theyre the ones that owe me money. When my representative was speaking to XXXX, he was told that my charges where for cleaning carpet, general cleaning, keys unreturned, load of belongings and rent from XXXX to XXXX at {$23.00} a day for failure to provide notice, the thing is that I did return the keys, did give them a final notice 30 days prior, and paid my rent on XX/XX/XXXX so they are violating the FDCPA since theyre trying to charge me after I performed my obligations.

Company response to consumer: Closed with explanation