Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Zarzaur and Schwartz, PC (AL)

Re : Violation of Fair Credit Reporting Act ( FCRA ) by Zarzaur & Schwartz, P.C., C/O XXXX XXXX XXXX XXXX This company and other third party entities associated with them have violated my rights and submitted my social security number to an unknown party, despite having a correct point of contact in their records. 

The most recent incident was a court appearance in XX/XX/XXXX, I disputed all information with their attorney in addition advised them of the direct violation of their willingness to submit inaccurate consumer data. However, this information was not addressed and their office knowingly submitted incorrect data to the credit bureaus and consumer reporting agencies are accurate, despite being told is not correct. Informed their office of violation related to submitting my social security number to an unrelated and unknown party by sending court documents to an address that I have never been associated with in my entire life, this court document is dated XX/XX/XXXX. There was a letter sent to the judge in XX/XX/XXXX, informing the court of the violations. The court documents reflect a completely different attorney 's office, my credit report shows a difference collection agency and the attorney that appeared in court this month, XX/XX/XXXX, was representing a completely different law firm. So, In XX/XX/XXXX this alleged debt was showing a law firm of XXXX XXXX XXXX, XXXX, out of XXXX, Alabama, yet a couple months later, in XX/XX/XXXX, without any notice or update, the alleged debt is now being represented by a law firm by the name of Zarzaur & Schwartz , P.C . located in XXXX, Alabama. 

How is all of this legal? How are consumers supposed to know who to dispute, who to contact, who we should hold accountable? 

This is, in my opinion a form of harassment. As a consumer, you are bombarded with documents, letters, notices and at times not even notified at all, yet these companies have the ability to manipulate and fraudulently report inaccurate information to credit reporting agencies to negatively impact your file. Once you notify them of the discrepancies they simply " sell '' or send to another related party, and the cycle continues. It creates a never ending cycle, that breeds an almost impossible battle to conquer. 

Zarzaur & Schwartz, P.C., to my understanding is representing XXXX XXXX XXXX in the collection of an alleged debt. I am including all documents in my possession to support the violation as I am seeking all damages owed to me up to and including financial compensation. 

It is unfortunate that a company operates in such a fraudulent manner to collect alleged debts, however it is my sincerest desire that not only this matter be resolved to my satisfaction, but all information submitted by this company including any of their other entities, be removed, as it is my right to only have true and accurate information sent to credit bureaus and consumer reporting agencies. 

I am requesting all inaccurate information be removed from all credit bureaus and consumer reporting agencies immediately. 

This is an alleged debt that I am disputing, I do not claim this alleged debt, nor have they proven this is debt owed by myself. However, as a lot of people may experience it can be overwhelming when dealing with multiple companies that continue to sell alleged debts to different companies, yet the companies are either owned by the same corporations or represented by the same legal entities. In other words, they just pass the alleged debt ( s ) around to each other. That is the case with Zarzaur & Schwartz, P.C., they have pursued legal action against me, yet the information reported to XXXX and XXXX is from a company named XXXX XXXX XXXX. The attorney listed on the court documents in XX/XX/XXXX is not the same attorney 's office listed on another court document in XX/XX/XXXX. Yet, my credit reports reflects differently. 

I have not received any documentation from XXXX XXXX XXXX or Zarzaur & Schwartz , P.C . proving they have authority to collect this alleged debt or provide validation of any responsibility for this alleged debt. 

As it relates to the violation of XXXX XXXX XXXX, XXXX, there were several legal documents filed by them and another attorney 's office, XXXX XXXX XXXX, XXXX. out of XXXX, AL, with the Small Claims Court of XXXX XXXX, Alabama. I will list the timeline to support this companys blatant attempt to damage my credit report, defame my name and/or character, utilize harassment tactics and ultimately create an avenue that now opens me to identity theft and fraudulent activities. This company not only had my correct home address on file, but they also decided to send a Process of Garnishment document by a process server, which included the last four ( 4 ) digits of my social security number to an address that I do not recognize, is not listed as a point of contact for me, never been associated with me in my entire life. I have resided at the same address for over 10 years. That fact alone shows and proves this company participates in harassment of regular people like me. I am not in a position to pay for legal representation, yet when we exercise our rights, try to seek validation on an alleged debt, they simply sell the alleged debt to another company. In addition, the next company the alleged debt is sold to is very likely one they are associated with. Oh, the irony. 

When this takes place a web of deception happens, they renew/change/manipulate the alleged debt dates, report inaccurate information and the process continues until a lot of people simply become exhausted and overwhelmed, resulting in them giving up. However, not this time. I am persistent and will follow through until not only my credit report reflects 100 % accuracy by this company and all those associated including third parties take responsibility for their harassment tactics and compensate me accordingly for multiple violations related to the Fair Credit Reporting Act. 

It is my opinion these companies are abusing their access and even after I advised them of the discrepancy of violating my rights, they submitted this inaccurate information to the credit bureaus knowing it was not correct. 

Again, to clarify, my social security number was sent to an unknown address. I have no idea who resides at this address as I have lived at the same address for XXXX years. 

The details to support my claim will be submitted for review and I hope this issue can be resolved to my satisfaction, by accurately reporting personal data, deleting fraudulent accounts/information immediately and damages awarded to me expeditiously. 

That is the desired result of this complaint, a reward of all damages owed to me and delete inaccurate information from all consumer reporting agencies. 

I also hope this opens the door for other investigations for those such as myself wronged by these corporations simply because they can and/or have access to do so. There is a strong sense of responsibility that comes with reporting consumer information, and this is not acceptable. 

Please note that due to the nature of this complaint and complicities of this matter, I do not want any contact from the companies named outside of written communication. Their common practices can not be trusted therefore, I require everything communicated to me be done so by written communications only. I wish to not be contacted by phone.