Consumer complaint received 2017-01-23
Company: AR Resources, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
AR Resources, Inc. previously promised the CFPB and me that it would have all of the credit bureaus remove this account from collections. They made this promise on or around XXXX/XXXX/XXXX when they reported to the CFPB and me, " AR Resources , Inc. has requested that this account be deleted from the consumer 's credit report per our response to the consumer 's original complaint and we believe that any further discrepancy with the consumer 's report should be taken up directly with the credit bureau or bureaus in question. '' However, this collections account, that never should have been reported in the first place, is still showing up on my XXXX and XXXX credit reports, and possibly XXXX as well. AR Resources - AFTER promising to delete the account on XXXX/XXXX/XXXX, again reported it to XXXX on or around XXXX/XXXX/XXXX. 

I 've checked the credit bureaus, and said they no record of the request to remove this account from my record, and some have said AR Resources keeps reporting this as an active collection, even though it is an error that should be removed/deleted from my credit reports entirely. It seems that now the credit bureaus are right now refusing to delete the AR Resources account from my credit, because AR Resources has not followed through with their promises to have the account removed. 

On or around XXXX/XXXX/XXXX, AR Resources reported to the CFPB and me, " Please be advised that AR Resources , Inc. has closed the consumer 's account and requested that it be deleted from the credit report. Thank You ''. However, the credit bureaus are still showing the account, and it remains even though I properly complete the dispute process with them and show them copies of these statements from AR Resources. 

It appears that AR Resources is making promises to the CFPB and to me, but then not following through to ensure that their error is corrected and that their error stops causing me extreme financial harm. It 's dropped my credit score over XXXX points and has already caused me to be declined for a loan, among other financial damage. It 's cost me dozens of hours of wasted time, and it seems like they still wo n't make good on correcting this as they promised to the CFPB and to me at least twice. 

AR Resources posted a collections case that I do not recognize on my credit reports with XXXX. AR Resources never contacted me prior to posting this on my report. 
After seeing this unkown collections item I have attempted to contact AR Resources via email, fax, and USPS mail. I 've received confirmation receipts that my communications have been received. AR Resources has still not contacted me or responded in any way, but their unsubstantiated report is still destroying my credit. 
In my communications to AR Resources, I provided email, phone, and mail contact information for me, but they still have not responded to my requests for information, requests for substantiation of the debt, amount, creditor, licensing, etc. They have not responded to any questions. They have not removed this disputed collections matter from my credit reports, and that has already caused substantial harm, including a mortgage that was already approved now being canceled right before closing. 

Please have AR Resources , Inc . IMMEDIATELY follow through with their promise to the CFPB and me to close the account and remove it permanently from all XXXX major credit reporting bureaus and any other credit reports or other parties they reported it to. AR Resources should share with me their correspondence that they claim has been sent to the credit bureaus requesting the removal of this account, because their story does n't add up. 

Due to my continued wasted time, and because of AR Resources 's continued and multiple broken promises to the CFPB and to me that this account would be deleted, I believe AR Resources should pay restitution to me and/or

Company response to consumer: Closed with explanation