Consumer complaint received 2019-11-21
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Real Time Group, Inc. ()

I had taken out an unsecured personal loan with XXXX XXXX on XX/XX/XXXX ( note attached ), which was actually a refinance of a loan that I took out with them a year prior. The loan had almost been paid off, as I have been making extra payments. 
The loan was transferred to XXXX XXXX to where the loan was paid off. As recent as XXXX of this year, I started to be contacted from Real Time Resolutions. They have alleged that I owe a balance of {$3700.00}. It the time they contacted me, I was going through a very hard time dealing with an illness/death of a family member. I had setup a payment arrangement with them without doing any research, since the bulk of my time was consumed with my family emergency. Upon later review, I realized that this was not a valid debt and that I had already paid this loan off in full. 

This company is damaging my credit, as they have been reporting this debt is reporting in a way that violates FCRA in many ways. 

1 ) This debt is/has been reporting as a mortgage on my credit report, and even more so, the payment settlement letter that they sent referenced an address that this loan was tied to. I have never owed a property, and the address listed was an address I lived at and paid rent at. 
2 ) They have a total of three accounts that are/have been reported as a mortgage. The constant negative reporting. Those three accounts comnined are reporting ; 2-30+ late markers / 2-60+ late markers / 46 90+ late markers. This has prohibited me from being  able to qualify for a mortgage. 
3 ) When I called the company with my current loan officer, we were transferred to our " assigned rep, '' XXXX, to discuss the debt. My loan officer had asked her the following questions : 1 ) When was the date of last activity on the original debt? Her response was XX/XX/XXXX. 
2 ) When was the origination date of the debt? She confirmed that it was XXXX. XXXX. 
3 ) How long of a term was the note? She confirmed 60 months/5 years.

4 ) When do you show the maturity off the note? She mentioned XXXX. 
5 ) If it was a five year note with a maturity date of XX/XX/XXXX, and she confirmed the origination date and the terms, how do they have a different maturity date? Her response was that she only has what she was given and was asking us to prove to them that I don't owe the debt. 
6 ) He asked why it was reporting as a mortgage? She responded after multiple calls placing my on hold that it wasn't. My loan officer assured her it was, and her response was its not so it doesn't matter. 

I can not believe the way this company is damaging my credit. This is an unfair situation since they are claiming that I owe money on an account that they don't even have the ability to prove to me I owe. This is abusive since they have reporting this account, multiple times with multiple inaccurate late markers. The act of reporting this as a mortgage floors me along with the process of " guilty until proven innocent '' trying to collect a debt, with a lady who doesn't appear to understand credit laws as it pertains to her job. Yet alone not being able to furnish me with the documentation being used to continue reporting this debt on my credit report.