Consumer complaint received 2017-02-07
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:
Once again, AR Resources , Inc. agrees that there should be no collections account against me, and that they should have it deleted from all credit reports. As I 've stated previously, I have already made several formal disputes with each of the credit bureaus, but this still appears as a collections account on my XXXX and XXXX credit reports. It continues to severely hurt my credit score, and it continues to prevent me from obtaining credit, getting a mortgage, etc. AR Resources , Inc . 
fails to follow through on their promise to notify the credit bureaus to delete their collections account from my reports and files, and that is causing me serious financial damage. 
Even as of today ( XXXX/XXXX/XXXX ), when I followed up with XXXX on why they denied my latest of multiple disputes I filed to get the AR Resources, Inc. collections account removed from my credit report, XXXX repeated that not only have they not received anything from AR Resources requesting that their account on my file be deleted ( which is what they 've promised the CFPB and me multiple times since XXXX XXXX ), but that AR Resources fails to respond to XXXX requests to confirm my requests that AR Resources collections account should be deleted as the company promised. 
AR Resources needs to follow through and take action as they promised in their responses to CFPB Case Numbers : XXXX, XXXX, XXXX, XXXX, and possibly others. AR Resources clearly agrees that they closed my account, there is no debt due, and their collections should be deleted from my credit reports and from all credit bureaus. However, they 've apparently failed to follow through with reporting this to the credit bureaus and getting my credit reports corrected. 


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 and XXXX/XXXX/XXXX when they reported to the CFPB and me, " AR Resources XXXX 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 ( and 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.

Company response to consumer: Closed with explanation