Consumer complaint received 2023-08-07
Company: Eastern Account Systems of Connecticut, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I ordered my credit report, and looked through it thoroughly. I was shocked to learn I had several collection accounts listed on my credit report. I decided to reach out to the collection agencies for clarification on the alleged debt they insisted I owed. Unsatisfied with the outcome from speaking with the collection agency, I decided to reach out to the original creditors. It was then I learned in great detail about the alleged debt, details I either could not get from the collection agencies or when I did receive information from them was totally inaccurate. It was then the discrepancies became apparent, these discrepancies I will list below. Eastern Account Systems Collections is listed on my credit report as the collection agency for XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ), I called XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) for clarification of the alleged debt. Eastern Account Systems Collections listed the alleged debt on my credit report in the amount of {$810.00}. In which the actual amount according to the original creditor XXXX XXXX  XXXX XXXX XXXX XXXX ( XXXX ) is {$810.00}. This is the first discrepancy. Collection of the wrong amount. In addition to this according to New York XXXX XXXX XXXX XXXX ( XXXX ), as evidence by the recorded conversation I attached to this complaint. Eastern Account Systems Collections is Re-aging this fraudulent account. The original creditor XXXX XXXX  XXXX XXXX XXXX XXXX ( XXXX ) date of last activity or the last payment date or date of last delinquency is XX/XX/XXXX. ( as evident by the recorded phone conversation with XXXX XXXX  XXXX XXXX XXXX XXXX ( XXXX ). ( Per the original creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) the account last date of payment is XX/XX/XXXX in the amount of {$62.00} this can be heard at XXXX of the recording. ) On my credit report Eastern Account Systems Collections has the date of last activity as XX/XX/XXXX on XXXX, XX/XX/XXXX on XXXX and XX/XX/XXXX as stated on XXXX respectively. Clearly Eastern Account Systems Collections is Re-aging this fraudulent account. This is the second deliberate discrepancy, and the third being the two ( 2 ) different dates of last activity. This is a grave injustice and totally illegal. According to Fair Credit Reporting Act { FCRA } If you are a debt collector furnishing information to a CRA about the accounts of a creditor, you must report the date of delinquency given to you by the CREDITOR FCRA 623 ( a ) ( 5 ) ( A ) This " date of delinquency '' determines how long the debt can be reported on a consumer 's credit report. Generally, a CRA may report a delinquent debt for seven years from the date of delinquency. If the debt was discharged in bankruptcy, however, a CRA may report it for 10 years. I have never had a bankruptcy. 

Moreover these deliberate discrepancies are proof that Eastern Account Systems Collections, are using un-fair collections practices which prohibits debt collection companies from using abusive, unfair or deceptive practices to collect debts. Which are not in accordance to the Fair Debt Collection Practice Act ( FDCPA ) laws as stated here 15 U.S.C. 1692-1692p " The FDCPA broadly prohibits a debt collector from using any false, deceptive, or misleading representation or means in connection with the collection of any debt. 15 U.S.C. 1692e. The statute enumerates several examples of such practices, 15 U.S.C. 1692e, as well as several examples of unfair practices, 15 U.S.C. 1692f. '' Moreover, I'll like to take the time to state that this collection agency Eastern Account Systems Collections is NOT to contact me further other than a reply here on the Consumer Financial Protection Bureau 's complaint in reference to this account. Any other communication is strictly prohibited as defined by Fair Debt Collection Practice Act ( FDCPA ) laws that governs you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation