Consumer complaint received 2021-01-12
Company: Credit Consulting Services, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To Whom it May Concern : On XX/XX/XXXX Credit Consulting Services sent various documents that I requested as they pertain to a debt that is in collections from XXXX XXXX in XXXX, California for {$240.00}. I requested these documents because I do not understand why the said amount is being charged to me from Credit Consulting Services and XXXX XXXX. This charge currently stands at {$260.00} on my credit report and that includes interest being charged by Credit Consulting Services. The documents that were sent to me on XX/XX/XXXX still do not explain the balance due. They show charges, payments, and balances of various amounts. For example, one document shows a proration amount of {$330.00}. Others show proration rates of {$240.00} and {$290.00} respectively. I was never sent a bill that is itemized and includes details of what I am specifically being charged for. This schema repeats in other miscellaneous documents that were sent in the packet. Again, is not clear what that charge that is in collections specifically represents or addresses. As such, I have communicated with Credit Consulting three times requesting a document that itemizes what the {$240.00} is specifically for. As of XX/XX/XXXX, Credit Consulting said that XXXX XXXX had 3 days to send them the requested documents. However, on XX/XX/XXXX I received a call from Credit Consulting stating that they would not send me the information, that they didn't have to send that information to me, and that they didnt have my address. I asked the person on the for assistance in understanding all of this and they noted that they hadn't looked at the documents themselves. This has been audio recorded by Credit Consulting. After every attempt to obtain the itemized bill the collector hung up on me. I am also disputing the fact that they did not have my address because it is clearly printed on all of the documents that they have sent to my address thus far. At this point, a charge has been in collections for over 6 months and I have put forth every effort to obtain a final and itemized bill in order to address the charges, yet I am being refused this information. It is now impacting my XXXX credit report. 

Also important, there is a document in the original packet of information that was sent that includes a copy of the move-in/move-out documents that are related to the charges from XXXX XXXX. I am being accused of leaving the apartment in a condition that is different from when I moved in. One that is damaging. The document that I received is mostly illegible but it supposedly substantiates that claim. And the final page of the form has my name filled in in the signature field. That is not my signature. 

Due to the fact that Credit Consulting is refusing to provide documentation that itemizes and rationalizes the charges I am lost as to where to go next.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation