Consumer complaint received 2020-06-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Servatus Corporation (FL)

Original credit card debt was purchased from XXXX XXXX XXXX XXXX by Credit Solutions Corp a little over 2 years now. I was approved for a {$3000.00} credit card with the purpose of consolidating debt. The original agreement was for a balance transfer card and the deal was XXXX was supposed to pay off my XXXX XXXX credit card and I think a XXXX credit card. That never occurred but I was approved. Since XXXX never paid off the card from my agreement I had to incur more debt not only with their card but with paying off the original creditors and their interest the balance transfer was supposed to protect. I have yet to contest the debt but I had other loans with XXXX and it would have caused a conflict of interest that I was not prepared to deal with. I had also just moved to XXXX  from XXXX XXXX while obtaining a XXXX XXXX in XXXX. I just didn't have time to follow up. Well, XXXX eventually sold my debt after attempts to collect failed. Credit Solutions Corp bought my debt and w/o my knowledge ran my credit and caused a hard inquiry on XX/XX/XXXX. I was never once contacted by Credit Solutions Corp and told of the arrangement. This year XXXX I paid off a car loan that I had with XXXX and no longer have any active loans with them. This is the time that I decided to contest the amount of the credit debt. After paying off my car loan I was expecting my credit to go up but when I checked my credit report this week it had dropped 24 points and I was shocked since I just paid off a 6 year loan. Come to find out there was a hard inquiry on XX/XX/XXXX from Credit Solutions Corp, again. I never noticed the 1st one but they did it again. So, I called and I asked what legal right do you have to run my credit as I am not requesting any credit from your company and you did it last year too. The rep on the phone told me I need to check my local laws basically insinuating that Credit Solutions does have a legal right to run a hard inquiry on my credit even though I never heard of this company and have done no business with them. I am submitting this complaint because I think my rights have been violated under the Fair Debt Collection Practices Act. I asked the rep what business purpose does running my credit solve. He told me we did it to locate you. I asked how does that help you get paid to which there was no response. Then I said well you ran it last year around the same time. He said well it worked because we have not been able to reach you. I am extremely frustrated and want to know what protections do I have to curtail or circumvent this type of behavior. If a debt is owed to one company and another company buys the debt how can they legally hit my credit w/o any consent of the consumer. I was not asking for credit and I do not want my report to reflect that. In fact those are the only 2 inquiries that I have had in the past 2 years. I want my government to protect me from companies that have illegal practices. I am trying to repair my credit so I can purchase my first home and this has set me back severely. In addition to this letter I am contacting the credit bureaus for help. I want this resolved and I do not want anyone else to have to experience the betrayal that I felt when I saw my credit report. I am concerned if this is not addressed it will occur again next year. I need to be in control of my credit and if Credit Solutions Corp can run my credit w/o authorization unbeknownst to me than I am not in control. Furthermore, I never provided Credit Solutions Corp with my personal information or contact information so XXXX sharing that information with them is also a breach of trust. Please help. Thank you