Consumer complaint received 2021-11-15
Company: Mountain Run Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I noticed an account from Mountain Run Solutions on my credit report last year when I began reviewing it during my mortgage application process. I immediately noticed inaccuracies in the account and disputed the account with the XXXX credit bureaus it was being reported to at the time, XXXX and XXXX. XXXX ultimately deleted the account but XXXX did not so I decided to contact Mountain Run directly. Below is a description of the violations by Mountain Run during our correspondence over the past few months. 

VIOLATION # 1 Due to my concerns with the accuracy of the account, I sent Mountain Run a debt validation request ( Enclosure # 1 ) which they received on XX/XX/XXXX per USPS cert mail # XXXX XXXX XXXX XXXX XXXX ( Enclosure # 2 ). I did not receive a response to this request until XX/XX/XXXX. Despite their failure to respond to the validation request within 30 days they continued to report the account to the credit bureaus which I believe is a violation of the FDCPA> VIOLATION # 2 In the debt validation letter, I requested that all communication going forward take place via US mail and no phone contact be made ( see highlighted portion of Enclosure # 1 ). Mountain Run completely ignored this request and sent a text to my cell phone on XX/XX/XXXX at XXXX pm XXXX ( please see document labeled " Enclosure # 3 '' from complaint # XXXX ). This communication came well after their receipt of the aforementioned debt validation letter on XX/XX/XXXX. I believe telephone contact with a consumer after theyve requested contact by US mail only is a clear violation. 

VIOLATION # 3 Lastly, Mountain Run has provided me with information that clearly supports my claims of the multiple inaccuracies associated with the account as reported to the credit bureaus. This strongly implies to me that they are aware of the discrepancies in their reporting, yet continue to do so anyway. I have outlined the issues citing their negligence below : a ) In an invoice generated by Mountain Run dated XX/XX/XXXX ( Enclosure # 4 ) they allege that {$1700.00} is owed for 23 months of unpaid monitoring services ; however, per the Customer Billing History ( Enclosure # 5 pgs. 2-3 ) provided by the original creditor only 7 months are unpaid ( XX/XX/XXXX XX/XX/XXXX ). 
b ) The invoice ( Enclosure # 4 ) also indicated I owe {$210.00} in interest charges ; however, the agreement with the original creditor ( Enclosure # 6 pg.1 highlighted portion ) does not authorize any finance/interest charges. 
c ) They provided me with a copy of the Alarm Monitoring Agreement ( Enclosure # 6 pg. 3 ) which indicates a monthly fee of {$68.00} for monitoring services ; however, the balance their reporting per the invoice ( Enclosure # 4 ) they sent me is based off a monthly amount of {$74.00}. How can they base their charges/balance off an amount thats different than the contractual agreement they have on file? 

Despite my brining these multiple discrepancies to their attention ( Enclosure # 7 ), they have failed to correct any information being reported on the account. Not only have they not corrected it, they just recently began reporting this erroneous information to XXXX. Please note, this is my second complaint submitted as the first complaint was initially sent to the FTC and did not include all of the information when forwarded for investigation.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation