Consumer complaint received 2015-10-07
Company: Alliance One, Inc.
State: CA
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:
RE : FCRA Violation / Unfair Business PracticesComplaint Against : AllianceOne Receivable Management XXXX XXXX. 
XXXX XXXX XXXX, CA XXXX XXXX, 2015RE : Account # XXXXMy name is XXXX XXXX. I would like to report a clear VIOLATION of the FCRA. I first made aware of AllianceOne Receivable Management, XXXX on XXXX XXXX, 2015. I received call from an Alliance Representative stating that they were the Collection Agency attempting to collect a debt. They stated that a letter had been sent letter. I stated that I had not received any information that I that I owed anyone. Nevertheless, I requested something in writing. The person I talked with on XXXX XXXX, 2015 the AllianceOne rep stated that the letters they sent was not a Certified Letter with a Return Receipt. 
On XXXX XXXX I received another call from XXXX. It was a follow up call. I told the rep that I had not received any letter. Upon reviewing my contact information. I discovered that they did not have the correct mailing address. I stated that I wanted something in writing. She said that she would have something sent to me. 

On XXXX XXXX, 2015 I received a letter. Upon review of the information I determined that I would pay the claim. I did n't want to hassle and waste my time, money and effort. Furthermore, I did not want anything to IMPACT my credit. 
However, just before I called AllianceOne I reviewed my credit and discovered a VOILATION. AllanceOne had already reported the Collection Account to the credit Bureaus. The date that was reported on my credit report was XXXX XXXX, 2015. 
This is a violation of their own policy in the letter that I received. The letter says, " Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. " Thirty days from the time I received the letter would be XXXX XXXX. The actions of AllianceOne is clearly an AGGRESSIVE, UNLAWFUL and a VIOLATION of Federal Trade Commission guidelines. 

There actions have caused harm to my credit. They did not give me an opportunity to cure or make right the situation. AllianceOne is XXXX and I am XXXX. A BIG company like AllianceOne should be ashamed. Of course, they are not. It appears the organization like FTC are allowing these unfair and unlawful actions against consumers. 
Today, XXXX XXXX, 2015 I paid the Collection. The confirmation number is XXXX. They claimed that they would delete the Trade Line in 30 days. I am truly thankful that they will remove the wrongful reporting of the collection. It should have never happened. 
Think about it. Think about if it was your husband, wife, mother, father, brother ect ... what would you do. You would ask to compensated in some way for the harm they caused. The time, money and effort. Just write this letter is taking away time to make money for my family. 
What are the legal remedies against AllianceOne? What are the other agencies that I make a complaint? 

HELP!!!!!!!!!!!! 

XXXX XXXX. 

Thanks!

Company response to consumer: Closed with non-monetary relief