Consumer complaint received 2020-10-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Law Office of Brett M. Borland, P.C. (WA)

I disputed a collection on my account from the XXXX XXXX   with the credit bureaus and with the attorney representing the XXXX XXXX. It must be noted : I AM NOT A CREDIT REPAIR SPECIALIST! I AM MERELY A CONSUMER FIGHTING FOR MYSELF! Having said that, PLEASE READ MY COMPLAINT AND HELP!!! Both XXXX  and XXXX  have removed the XXXX XXXX from my credit profile. But for whatever reason, XXXX  refuses to delete the false collection. Part of the reason is that I disputed the wrong company ( XXXX ) whereas I should've disputed The Law Offices of Brett M. Borland, P.C. Please excuse the mistake. This current dispute is solely about the collection agency, The Law Offices of Brett Borland and their threats, and the validity of the collection debt. I have enclosed a packet of the correspondence with the attorneys office. Please, please read the packet and please note my notations. 
On XX/XX/XXXX I received a call from my parents about a legal letter they had received at their home in my name. The address on the letter is my parents address and has been for the last 50 years. literally. I retrieved the letter, and was shocked by the collection effort! I contacted the attorneys office that same day to dispute the collection and spoke with a paralegal explaining I would receive a call back. My call was placed on XX/XX/XXXX at XXXXPST. I did received a callback from XXXX  XXXX at XXXXPST and I spoke with Ms. XXXX until XXXXPST. During the 8 minute conversation Ms. XXXX inquired as to why we were disputing the information. I informed her that we were trying to buy a home. She then stated that I needed to pay the debt in full in the next 30 days or she was going to place a remark on my credit profile. She stated she was going to " ruin your credit by filing and placing a real estate credit block on your credit profile and you will never be able to leave your apartment! '' These were her exact words- " a real estate credit block ''! I have never heard of such a malicious thing! To ruin someone's life and credit with intent! We argued over the threat and Ms. XXXX hung up in my face! 
I called the attorneys office again on XX/XX/XXXX at XXXXPST and I asked to speak with another attorney or paralegal. I was told to call back later in the afternoon. I did so. 
I called again at XXXXPST and spoke briefly with XXXX  XXXX again, being that no one else was available. I demanded proof of the debt. She replied it would be sent. 
I received a packet from the attorneys office on XX/XX/XXXX. Upon reviewing the information I noticed several discrepancies and a crucial date was omitted from the original paperwork, which I still have. 
In the " Lease Information '' section of the paperwork entitled " Final Account Statement '', the " Move-out '' dates have been omitted. The date will show that our lease expired on XX/XX/XXXX. On the lease renewal agreement, which is included, the " Upon Completion of the Lease Terms '', I chose the month to month option after the lease expired on XX/XX/XXXX. So, when we vacated the apartment on XX/XX/XXXX, WE WERE IN A MONTH TO MONTH LEASE AT THAT POINT!!! WE COULD NOT HAVE DEFAULTED ON THE LEASE-WE WERE MONTH TO MONTH!!! 
Also missing from the packet the attorney supplied me with was our " Intent to Vacate Notice '' dated XX/XX/XXXX. We submitted our notice to vacate the premises 30 FULL DAYS PRIOR TO MOVE-OUT! The lease only requires a 20 day notice, so we were clear of that deadline by ten full days! I have included a copy of the original " Final Account Statement '' and it has the managers signature on it. It contains the original " Lease Expires '' date, whereas the attorney supplied version does not. I have included a copy of the original lease, and it matches the copy supplied by the attorney. This reinforces my dispute because the lease clearly shows that I was in a month to month lease, per my option choice for when my lease expired. It too was signatures.

I am disputing the validity of the debt and to report being threatened by the Law Offices of Brett Borland. The debt collection agency did NOTHING to validate the accuracy and authenticity of the collection. They merely threatened me, and when that didn't work and I continued to fight ( as I still do to this day!!! ) they ruined my credit and ruined my chances and dreams of owning a home. When contacted by XXXX  about the debt, the agency validates my identity and  confirms that the XXXX XXXX  sent the debt and confirms The XXXX XXXX  account of things. They DO NOT truly investigate the validity or accuracy of the debt. They merely validate the identity of the debt holder and the origin of the debt. This is ridiculous. PLEASE HELP!!! 
PLEASE NOTE : Ignore the XXXX XXXX additions within the paperwork. It was all a part of the same dispute at the time.