Consumer complaint received 2021-02-08
Company: IQOR US INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is in regards to an original bill from XXXX XXXX for around {$340.00}. The account was paid in full. On XX/XX/2020 this account showed up on my credit report under XXXX XXXX XXXX I had never been contacted, or provided any mail related to this company and this debt. I disputed with the credit bureaus explaining this was an old debt, already settled with XXXX XXXX, and it was removed from my credit report on or around XX/XX/2020 as paid in full, and not a collection account. 

On XX/XX/XXXX, Allied Interstate, LLC, again without any notification to me in writing, placed a new collection account on my credit report. I called and spoke with XXXX  who stated they saw where I had disputed it previously, and it was removed from my record because it was inaccurate. I asked why it had shown up again, and they stated because the former debt collector, XXXX XXXX XXXX, stated that they did not cancel the account, nor did they change it to a XXXX balance. 

I filed a formal dispute, explaining these details and was just informed by XXXX that the account was verified as accurate and will remain on my credit report. I asked if they had 'verified ' the debt with Allied Interstate LLC and they stated they were unable to do that. I am asking, please, that this creditor be investigated for placing this account back onto my credit report, without ever contacting me, and why the credit bureaus refuse to remove a debt that was already paid, already closed, and already removed from my credit report. 

Since I was informed that the debt was validated as accurate ( based on what I have no idea as it is doubtful they can produce any documentation regarding the history of the account, including proof that I owe this debt ), Allied Interstate has begun calling me, for the first time ( still never receiving a single statement allowing me the normal 30 day period to dispute the claim BEFORE it was placed on my credit report ), and currently I am receiving approximately 3 calls a days at all times of day and night. 

I refuse to speak with them given they never sent me written notice regarding this account, never provided me the opportunity to dispute the account prior to placing it on my credit report, and refusing to remove a most damaging collections account on my credit report. 

My frustration over an already paid bill to XXXX XXXX, which was already closed as paid in full, and has now reappeared - claiming I am late, in collections, never paid and every other possible awful thing they could say about this account - again without ever even being contacted prior by either XXXX or XXXX XXXX - seems both unfair, potentially illegal, but most likely not allowable under fair reporting acts. 

Finally, I would provide documentation - but I don't have any because no one ever contacted me from either of these credit bureaus. This debt is from when I lived in XXXX XXXX approximately 4 years ago, and has been paid, and i have had it removed successfully previously and am asking that it please be investigated and permanently removed from my credit record, if possible. 

Many thanks, XXXX 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