Consumer complaint received 2024-07-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Continental Services Group, Inc. d/b/a ConServe (TX)

I am writing to bring to your attention a critical issue regarding fraudulent debt reporting that has recently appeared on my credit file. It has come to my attention that there is a debt listed on my credit report that is not only erroneous but also the result of fraudulent activity. 

The debt in question pertains to Converse {$280.00}. However, I would like to categorically state that this debt is fraudulent and based on misinformation. I have already settled this debt directly with the school in question, and it should not have been reported to any credit agency. 

Despite the resolution of this matter, a debt collector has taken it upon themselves to report this fraudulent debt to your agency, thereby tarnishing my credit history and violating both my rights and relevant laws, including the Fair Credit Reporting Act ( FCRA ). 

I urge Consumer Finance to take immediate action to rectify this situation by removing the erroneous and fraudulent entry from my credit report. Additionally, I request an investigation into how such inaccurate information was allowed to be reported and why proper verification processes were not followed. 

Please provide me with a timeline for when I can expect the fraudulent debt to be removed from my credit report and confirm that necessary steps will be taken to prevent similar incidents from occurring in the future. 

I appreciate your prompt attention to this matter and expect a swift resolution to ensure the accuracy and integrity of my credit file. 

I also would to bring to your attention a significant issue I have encountered while attempting to resolve an erroneous entry on my credit report. The entry in question pertains to an account with Conserve, which has been inaccurately reported and is negatively impacting my credit history. 
Converse reached out to me over the phone and told me they have sent out letters and I did not respond to those letters. I asked them to verify my address and they gave me XXXX XXXX XXXX XXXX . I havent stayed at this address for over seven years, I asked them. 
How do you have my correct number but you do not have my correct address. What makes the matters even worse is the phone number I have is kinda new. I only have this phone number for about 3 years. They did not care about sending the letters to the wrong address. The only thing that they kept telling me is this that will become eligible to be reported to your credit and may affect your credit. 
I asked them to stop telling me this will affect my credit and lets fix the issue about you guys saying you reached out to me with letters that I never received. They ignored Me, of course.. I was unable to get back in contact with them due to their phone system, so I paid the school directly. 
After the school was paid, I was able to get a hold of them because they called me just to tell me they got the correct address and they need me to verify I was lost because for two years you send letters to the wrong address but now all of a sudden you have my correct address And indeed they did. I expressed to her that I paid the school directly. She got upset and said you should have never paid the school directly. She told me we havent got a update from the school. I expressed to her. I have receipts she said no, I have to have confirmation from the school. I said OK. Literally three days later its on my credit. They had every intention on hurting my credit. 

My attempts to address this matter directly with Conserve have been thwarted due to a flaw in their phone system, which fails to recognize that I have an account with them. Despite providing my Social Security number and phone number associated with the account, I have been repeatedly told by their automated system that I do not have an account, thus preventing me from reaching a resolution. 

It is deeply concerning that Conserve 's phone system is unable to recognize existing accounts and thus inhibits customers from accessing vital information or resolving issues related to their accounts. This lack of functionality not only inconveniences customers but also raises questions about the reliability and effectiveness of Conserve 's customer service infrastructure. 

Furthermore, I believe that Conserve should take accountability for this issue and ensure that customers are able to reach them for assistance without encountering such barriers. If Conserve reaches out to customers regarding their accounts, it is only fair and reasonable that customers are able to reach out to Conserve when needed, without being erroneously informed that they do not have an account. 

I urge you to investigate this matter and ensure that Conserve takes immediate steps to rectify their phone system 's shortcomings and provide customers with the necessary means to address issues related to their accounts. Additionally, I request that you intervene to facilitate communication between myself and Conserve to resolve the inaccuracies in my credit report. 

Thank you for your attention to this matter. I trust that you will take the appropriate actions to address this issue and uphold the integrity of credit reporting processes.