Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Alorica Inc. (TX)

Consumer Financial Protection Bureau ( CFPB ) Re : Re-Dispute of Accuracy and Request for Debt Validation - SST/XXXX Account Number XXXX Dear CFPB, I am writing to formally re-dispute the accuracy of the information contained in my consumer credit report concerning the following tradeline reported by Systems & Services Technologies , Inc. ( SST ) : Tradeline : SST/TABBANK Account Number : XXXX Steps Taken : Despite my previous attempts to address these inaccuracies, the issues remain unresolved. I have sent multiple certified letters detailing my concerns and requesting proof of debt validation. Systems & Services Technologies XXXX Inc. has not provided the required proof of debt validation as mandated by law. The tracking numbers for my certified letters to SST/XXXX are as follows : USPS Certified Tracking # XXXX On XX/XX/year>, I received a letter from Systems & Services Technologies , Inc. stating XXXX " Dear ************* Sr, Systems & Services Technologies , Inc. ( SST ) received your inquiry regarding the above-referenced account. The account has been servicing released. Please contact the agency currently servicing your account. 

Sincerely, Systems & Services Technologies , Inc. '' This letter is not proof of debt. They did not provide any documentation indicating that they had the right to transfer the debt or any evidence supporting the alleged debt. This ongoing issue indicates that Systems & Services Technologies , Inc. continues to report inaccurate information on my credit file, which is not in compliance with federal law, specifically under 15 U.S. Code 1681s-2. This section outlines the responsibilities of furnishers of information to consumer reporting agencies to ensure the accuracy and integrity of the information provided. 

Relevant Legal Provisions : 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies Key Provisions : Duty to Provide Accurate Information ( 1681s-2 ( a ) ) : Furnishers must not provide information that they know or have reasonable cause to believe is inaccurate. 
If the accuracy of the information is disputed by the consumer, the furnisher must investigate and correct any inaccuracies. 
Duty to Correct and Update Information ( 1681s-2 ( a ) ( 2 ) ) : If a furnisher determines that the information they previously reported is not complete or accurate, they must promptly notify the consumer reporting agency and provide any corrections necessary to make the information complete and accurate. 
Duty to Provide Notice of Dispute ( 1681s-2 ( a ) ( 3 ) ) : If a consumer disputes the completeness or accuracy of any information provided to a consumer reporting agency, the furnisher must report the fact of the dispute when providing the information to the agency. 
Duties After Receiving Notice of Dispute ( 1681s-2 ( b ) ) : Upon receiving notice from a consumer reporting agency of a dispute regarding the completeness or accuracy of any information provided, the furnisher must conduct an investigation and report the results back to the agency. 
Relevant Excerpts from the Law : 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) : " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' 15 U.S. Code 1681s-2 ( a ) ( 2 ) ( B ) : " A person who... determines that the information is not complete or accurate shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate. '' I previously filed a complaint with the CFPB against XXXX XXXX XXXX XXXX, Complaint ID XXXX on XX/XX/year>, regarding these accounts. As of XX/XX/year>, XXXX XXXX XXXX XXXX has not resolved this issue and failed to provide the necessary documentation to support these claims. I have requested that XXXX XXXX XXXX XXXX provide proof of the debt and documentation supporting the legitimacy and accuracy of the reported debts and explain how these accounts were verified and updated on my credit report. However, the dispute for the account with SST/XXXX ( Account Number : XXXX ) was not changed as a result of our processing of my dispute. The company that reported the information has certified to XXXX that the information is accurate. The dispute was closed on XX/XX/year>. 

Relevant Legal Provisions : The Fair Debt Collection Practices Act ( FDCPA ) outlines the validation of debts under 15 U.S.C. 1692g : Notice of Debt, Contents ( 15 U.S.C. 1692g ( a ) ) : Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector must send the consumer a written notice containing : The amount of the debt. 
The name of the creditor to whom the debt is owed. 
A statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, it will be assumed to be valid by the debt collector.

A statement that if the consumer notifies the debt collector in writing within the thirty days that the debt is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and mail it to the consumer.

A statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor if different from the current creditor.

Disputed Debts ( 15 U.S.C. 1692g ( b ) ) : If the consumer notifies the debt collector in writing within the thirty-day period that the debt is disputed, the debt collector must cease collection of the debt until verification of the debt or a copy of a judgment is obtained and mailed to the consumer. 

Violation of the Fair Credit Reporting Act ( FCRA ) : Under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), both credit reporting agencies and furnishers of information are obligated to investigate disputed information. The failure to provide evidence supporting the alleged debts constitutes non-compliance with FCRA requirements. 

Documentation Enclosed : To support my dispute, I have enclosed the following documents : A copy of the certified delivery proof confirming receipt of my original dispute letters to Systems & Services Technologies , Inc. 
A copy of my initial letters was sent to SST/XXXX requesting debt validation. 
The response letter dated XX/XX/year>, from Systems & Services Technologies , Inc.

Current notarized letter to value my identity and to serve as a letter of intent to file suit if this situation is not handled.

Considering the lack of evidence provided by Systems & Services Technologies , Inc., I demand that Systems & Services Technologies , IncXXXX and XXXX XXXX XXXX XXXX delete these tradelines from my consumer credit report to reflect the accurate status of my account. 

Expectation of Timely Resolution : I expect you to conduct a reasonable reinvestigation of this matter and correct my credit report accordingly. Please confirm in writing that the requested corrections have been made to my credit file within 15 days of the date of this letter. 

Rights Under 15 U.S.C. 1681n : If this injustice is not corrected, I will exercise my rights under 15 U.S.C. 1681n, which pertains to civil liability for willful noncompliance under the FCRA. Key Provisions of 15 U.S.C. 1681n include : Willful Noncompliance : Any person who willfully fails to comply with any requirement imposed under the FCRA concerning any consumer is liable to that consumer. 

Damages : Actual Damages or Statutory Damages : The consumer may recover actual damages sustained or damages of not less than {$100.00} and not more than {$1000.00}. 
Punitive Damages : The court may award punitive damages as it deems appropriate.

Attorney 's Fees and Costs : The consumer may also recover the costs of the action together with reasonable attorney 's fees as determined by the court. 
Attorney 's Fees in Case of Bad Faith : If the court finds that an unsuccessful pleading, motion, or other paper was filed in bad faith or for purposes of harassment, the court shall award the prevailing party attorney 's fees reasonable about the work expended in responding to the pleading, motion, or other paper. 

Claim with Relevant Agencies : I will also file a claim with the Attorney General, the BBB, and any other relevant agency, as XXXX XXXX XXXX XXXX is known for violating the rights of people of color and minorities by not correcting proven information on their credit reports. 

Relevant Provisions : Equal Credit Opportunity Act ( ECOA ) - 15 U.S.C. 1691 Scope of Prohibition : It shall be unlawful for any creditor to discriminate against any applicant concerning any aspect of a credit transaction : Based on race, color, religion, national origin, sex, marital status, or age ( provided the applicant can contract ) ; Because all or part of the applicants income derives from any public assistance program ; or Because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. 
Civil Liability : Penalties and Damages : Any creditor who fails to comply with any requirement imposed under this title shall be liable to the aggrieved applicant for actual damages sustained by such applicant, punitive damages, and equitable and declaratory relief. 

Thank you for your prompt attention to this matter.