Consumer complaint received 2020-04-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (MA)

Hi After signing up for XXXX XXXX to be proactive about improving my credit health- i saw a {$240.00} derogatory mark on my account. There was no information all it said was Collection Agency- {$240.00}. I disputed the debt VIA XXXX XXXX as I questioned its validity as well as where it even came from. My dispute was denied, and I received info that it was a debt from XXXX. After some time, I disputed it again, as I still deny this debt. I was given no opportunity or guidance as to steps to take in regard to inquiring about the possibility of fraud, or any other information about my rights, as I have never used XXXX in my life. XXXX and XXXX are the only telephone/internet/cable services I have ever used. My XXXX credit report shows a debt, in the amount of {$240.00} for XXXX- sold to a collection agency called EOS CCA with the description of Collection Agency/attorney. The debt account shows it was opened in XXXX of XXXX. There is No other information provided- other than the debt originally was from XXXX prior to being passed onto EOS CCA . There is no information about when XXXX claims that an account was opened, no information about what kind of account it was, no reported date of delinquency/default, no information on when this debt was passed over to EOS CCA. The only info is a notation that the account will be removed in XXXX. But again, besides the fact that I have never and will never accept ownership of the account they claim I had, there is no information about the dates or anything of the sort. So a notice of removal from my report in XXXX doesn't mean anything to me because I have no idea when the alleged Date of First Delinquency even occurred. If I base my estimate of a XXXX drop-off date on the 7-year model, that would mean the debt originated in XXXX? I have had XXXX since XXXX of XXXX, and i can provide my addresses for the last 10 years if necessary, all of which have never been linked to XXXX in any way shape or form. Isn't that enough to show that even if there was an alleged debt ( which is not the case- i refuse to accept this debt ) that if they cant link it to anything in the last decade or provide any proof in the last decade of such a debt-should n't it be removed from my report at this point anyway? I have done my best to research how to avoid resetting the clock and other information about my rights and I am still at a loss. Ive made NO contact with this collection agency other than refusal to accept responsibility for the debt, and disputing the its validity, and requesting proof that it ever even existed. The only contact I ever had with XXXX, was calling them to ask for information/proof regarding the account and was told they dont retain those records once its sold to a debt collection agency-and that is the only help/information they provided. From what Ive read, it seems as though this collection agency is violating my rights. How can they not list any proof if DOFD, or any other pertinent information regarding an alleged debt, but be able to just throw it on my credit report and hurt my credit without disclosing any information about where/how it originated, or any dates pertaining to it? Do I have any options here? I feel as though I am being preyed upon and this agency is using deceitful tactics. I am not a lawyer, Im just a human being trying to make an honest living and I am not familiar enough with the laws/regulations to call these people to ask for information as Im concerned with them Using tactics to trick me into accepting ownership of the debt, or saying something that could hurt my case even further. And I dont know enough to be able to say with certainty that they are using illegal practices, but thats what this feels like. Is there anyone who can help me with this? Id appreciate any guidance that you could offer. Thank you XXXX XXXX