Consumer complaint received 2022-04-15
Company: Receivables Performance Management, LLC
State: NH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I received an alert from XXXX XXXX XXXX that I had a change to my credit file that caused an immediate XXXX point drop in my credit score. A collection company by the name of Receivables Performance Management had listed a debt of {$660.00} on my report. I have never been contacted by RPM nor received any correspondence from RPM prior to that day -- I immediately opened a fraud case with XXXX and called RPM and was told that they represented a company by the name of XXXX XXXX XXXX -- I had NEVER heard of this company and NEVER did business with nor ever received any correspondence from. RPM told me that XXXX XXXX XXXX bought XXXX XXXX ( XXXX XXXX ) which was an XXXX company. 
I knew this was not true as XXXX bought XXXX XXXX. 
I leased a car in XXXX through the XXXX XXXX XXXX program which was then sold to XXXX XXXX- I never missed a payment, and was NEVER late and finished my entire lease term and returned the car to XXXX in XXXX and received my deposit back -- I have EXCELLENT credit with XXXX and never received any correspondence from XXXX that I had any outstanding debt -- I have bank statements showing my returned deposit at the end of my lease term. 
RPM is fraudulently going after former XXXX drivers who leased cars through the XXXX XXXX XXXX which became XXXX because both XXXX and XXXX are now out of business and thir contact numbers are out of service. There is no way to contact them to confirm that the debt is not owed because both companies are out of business -- When I asked an RPM representative for the contact information for XXXX XXXX XXXX, I was told " we don't have any contact information. '' I told them by law they needed to provide me with the contact information of the original creditor and they said they do not. I've never done business with XXXX XXXX XXXX and do NOT owe this debt. My credit went from Excellent down to Good. RPM is the only collections account on an otherwside stellar credit history and I have spoken to at least 35 former drivers for XXXX who leased cars through the XXXX XXXX XXXX and all had excellent credit and had this same thing happen within the past 6 months. 
My lease ended in XXXX, I paid off the car and had no issues -- why would a company wait until XXXX to collect on a debt they claim I owed? I even continued business with XXXX after I turned in my first car ( I did two short term leases of other cars -- if I had an outstanding debt on my origianl lease why would this company have continued to do business with me? 
I tried to contact XXXX on XX/XX/XXXX, but because they closed their leasing deaprtment in XXXX, all of their contact numbers are disconnected ( that fact that XXXX and XXXX can not be contacted is a major win for RPM because there is no way for us to get documentation that refutes their claims ). 
XXXX XXXX closed and was sold to XXXX in XXXX, and XXXX operated until XX/XX/XXXX and then closed -- it is my belief that RPM bought a public information record of people who leased cars through the XXXX XXXXXXXX XXXX XXXX  and are targeting us in hopes that some will pay a debt they do not owe. This needs to be investigated and RPM needs to be prosecuted!

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