Consumer complaint received 2024-09-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc (TX)

When Synergistic Communications first reported this collections account in XX/XX/XXXX, I contacted the original creditor for the statement. The first delinquency date was XXXX, and they had sold the debt many times. Also, when looking at the XXXX, it appeared that the debt was not in my name. Synergistic Communications did not have the correct birthday or social security number. 


When Synergistic Communications first reported these collections to the account in XX/XX/XXXX, I contacted the original creditor, XXXX XXXX, for the billing statement. That statement is attached for your viewing and shows the first date of delinquency. 
I immediately disputed the collection of a dental debt with all three credit bureaus based on the age of the debt and the incorrect personal identifiers. They recognized that this information was inaccurate and too old to report and removed the collections account from my reports at all three credit bureaus. 


Upon discovering that the debt had reappeared under a different account number across all three credit bureaus in XX/XX/XXXX, I promptly contacted Synergistic Communications in the final week of XX/XX/XXXX. During my communication with two representatives, I requested a debt verification letter, which they declined to provide. Furthermore, they displayed unprofessional behavior by raising their voices and abruptly ending the call. Despite my efforts, I could not obtain the necessary debt validation letter. Additionally, when I urged them to review the original bill about the XXXX  account, they adamantly refused, falsely asserting that the debt originated in XXXX despite its actual occurrence in XXXX. All three credit agencies acknowledged that the debt did not have my current personal information and was time barred from being reported pere FCRA laws. 

No matter how often a debt is sold ( and resold ), the date that matters for the seven-year credit report clock is the date of delinquency with the original creditor. 

Suppose a collection agency bought your 10-year-old retail card debt and has started putting it on your credit report with a different date, for example. In that case, you may be able to remove that collection item from your credit report. The FCRA laws state that the first date of delinquency is the original date, and after seven years, that debt has to drop off or can no longer be reported. Reporting aged-out debt is against the law. 

Synthetic communications continue to use deceptive practices that are deemed illegal under the FCRA laws to report inaccurate collection reports on people 's credit reports, including mine, as they have had 312 complaints so far, XXXX XXXX also is emplyign decepetive practices by claiming the due date is XXXX of XXXX when the last time they billed me supposedly Furthermore, the address is wrong there, as I have never lived at the address, and although the bill said XXXX as a no-show, I was not living in the country at the time. So, I did not understand where they are making up those no-show application data from If you look at the bill it is obvious it is fraudulent and made up dollar amounts that change and made up billing charges.