Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Law Office of Brett M. Borland, P.C. (VA)

So I moved out of XXXX XXXX XXXX XXXX  XX/XX/XXXX. Before even moving out I had charges placed on my account for several damage charges. I spoke with someone in our leasing office about it and was originally told that it was just a temporary charge until the house was looked at. So In my apartment it was a 5 bedroom townhouse and I was in 1 of the 5 bedrooms. I was charged for multiple floors, walls and ceiling charges. I had other several damage charges like carpet cleaning and carpet removal which I complained to my apartments how that didnt make sense to have a fee for carpet cleaning and removal, plus I was the only room in the apartment with old carpet. So after moving out XX/XX/XXXX I reached out to them in regards to the amount of charges on my account compared to my roommates who seemed to have hardly any. I asked if it was maybe a glitch but after them trying to rationalize the charges I sent another complaint on XX/XX/XXXX requesting picture proof of the charges and then I sent another request in XX/XX/XXXX requesting pictures and disputing with the apartments again ( pictures will be attached ). I also called SEVERAL times and even had their after hours team send a complaint to the property manager regarding it. Or at least that was what I was told. So In XXXX of XXXX they sent me a message through text inquiring about collecting a due amount. I responded back in the Text explaining how I had reached out to them several times and emailed every email address they had given me. I also still never received pictures after this interaction. So after a couple of months go by I notice it appears on my credit. Im confused because they didnt report back to me within 30 days or really at all. There was never a response. I never received pictures of proof to explain why I was being charged what I was charged. I also did not know about reporting to the CFPB like I know now. So after speaking with The Law of of Brett M. Borland in Georgia, I was told that I could try to settle. However I did not want to settle because I knew I did not owe that amount. So I worked with a man named XXXX for several weeks on how to get this removed. XXXX would give me information then make me wait another week before telling me something similar and then make me wait again which really felt like a cycle of just waiting for me to pay or request something different. Then I finally asked if the law firm had pictures because I thought how could the law firm even validate this if they havent seen proof either? So I asked. To which he explained they did not. Nor did they have a statement of deposit accounting. So after XXXX did not seem to understand why I was confused that they are charging me for damage charges knowing that they didnt have the pictures either I became frustrated and told him I may just have to file a complaint or go to court for this, and then he hung up on me. So I called back and left a voicemail to him explaining how I hope he didnt hang up intentionally and that if it was a mistake to call back but I have not talked to him since. So I then had to pretty much start all over with another representative from their law firm named XXXX who explained that he had actually given me the wrong email address to send my dispute to which concerned me because I had my sister on the phone with me while I spoke with him so she heard him as well as I did. Also the calls are recorded and we read the email back to him and he confirmed. So why would he give me the wrong email? Or perhaps he hadnt realized but even if so how is that my fault? So at this point I am now several months in, disputing these charges and still NO ONE has sent pictures. I have just recently disputed again on XX/XX/XXXX with my picture proof of the times I reached out to the apartment complex before it went to collections. Including dates within 30 days. I am now at a point as I explained to XXXX  where this is actually causing me hardship. I am living with my sister because I can not get an apartment with this collections on my credit. I can not get reapproved for a car loan anymore since this has shown on my credit and really had just made my life harder especially considering I have put in so much effort trying to get it taken care of and have constantly just been ignored and neglected. This is honestly my last resort.