Consumer complaint received 2022-06-26
Company: Credit Bureau Services Association
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Found a collection on my credit report for Credit Bureau XXXX XXXX XXXX XXXXXXXX XXXX for {$3100.00} for a house that I rented from XXXX XXXX XXXX XXXX XXXX. 

When I moved in I completed a move in sheet and I took video of any damage/repairs that needed to be handled. Turned in the move in sheet as required. No work was ever done. Had a family emergency and was forced to move out only a few months later. Was XXXX month behind on rent. Court ordered possession of property only, no money was awarded ( can provide copies ). Moved out and took video of house upon move out to show no damage or trash was left behind. Videos are time stamped and dated. 

I contacted Credit Bureau Services, requested validation of this alleged debt, and was provided with a barely legible copy of my lease, an email list of things that were done to the house, a few " bills '' for cleaning up large amounts of trash, charges for the past due rent, and other miscellaneous items that were completely unbelievable ( especially after viewing my move out video ). There was no accounting for my non-refundable pet-deposit either. When I offered to settle this matter for half of the amount owed, I was ignored. So, I went straight to the original creditor, XXXX XXXX XXXX. 

I was surprised to find that XXXX XXXX XXXX was no longer in business. Instead, there was a new company name, same owner, same address. After researching I learned that the owner, XXXX XXXX, has a very long and sordid history of doing this when XXXX of his businesses starts going under. The new company name is XXXX XXXX XXXX XXXX in XXXX. I filed complaints with the XXXX to try and get some assistance with this matter and get this collection off of my credit reports to no avail. Again, I offered to settle this account for less than the amount owed. I disputed the charges and informed XXXX XXXX that I had the videos of the move in and move out. I was told to stop contacting their offices and only communicate with their attorney, XXXX XXXX XXXX with XXXX XXXX in XXXX XXXX. 

I reached out to XXXX XXXX via fax at the end of XX/XX/XXXX. He called me a few days later, stated he would look over my account and information and get back with me. I never heard from him again. I tried reaching out again twice during the month of XX/XX/XXXX via fax, and have heard nothing. 

I paid an extra deposit on this house upon move in. I paid a non-refundable pet deposit when I moved in. The court awarded the company only possession of the property at the time of my move out. I have evidence that this house was left perfectly clean with no trash or damage that was not already there when I moved in ( and was never repaired ). Even if I was to be charged the rent they claimed I owed, that was more than covered by the deposit I made and the back yard clean up was covered by the non-refundable pet deposit they conveniently forgot to account for. I believe these " bills '' are fraudulent. I am more than happy to share the move in video with you, but I have been holding onto the move out video in case I need to use it in court. You are welcome to every other document I have.

Company response to consumer: Closed with explanation