Consumer complaint received 2021-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: International Computer Systems, Inc. (AR)

First Collection Services continues to blatantly report an inaccurate, unverifiable entry on my credit reports. The entry on my reports reflect that First Collection reported this entry to my reports on XX/XX/2020, yet they did not provide any communication to me prior to inserting on my credit reports. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. I have requested on numerous occasions that this company provide the comprehensive account history for this account ; including but not limited to all invoices, payments, notices, documents that bore my original signature and also any documentation that reflects I allegedly agreed to levelized billing with the XXXX XXXX XXXX. The FCRA provides that utility companies may only provide or furnish information to the credit bureaus if they provided a consumer credit. I also requested the aforementioned request to be honored so that I may ensure the accuracy within the content of the information they were reporting -- no itemized statements nor details to justify the entire amount. Additionally, by them not responding, they did not validate when the account became delinquent? Providing this would prove if the statute of limitations was applicable and their ability to collect on an alleged debt. 

Once I became aware of this negative entry on my credit report, I immediately began disputing. My first disputes were with each of the credit bureaus and the responses provided from each bureau reflected that the entry was verified by First Collection Services. To that end, I sent a letter to them ( see attached ). To date, this company has not provided any documentation bearing my signature or proving the validity of the entry they are continuing to report. First Collection Services is unable to provide any documentation because the original creditor received full payment in 2020 for this debt, they are attempting to collect and also placed on my credit reports illegally. 

First Collection Services is unable to furnish the original terms and conditions agreed to as well as any and all terms and conditions that were enforced after the original terms as per the alleged original creditor, XXXX XXXX. Being this is an alleged utility account, Additionally, they did not respond with a summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payment posted, charges made, and date of charges posted. In my correspondence to them I requested copies of all documents sent to me regarding this account ; again they did not oblige. Lastly, they did not prove the statute of limitations had not expired on this alleged debt. It is obvious that First Collection Services is not able to validate their allegation with documentation ; therefore, in the absence of them responding with any documentation to substantiate the alleged debt with signatures, and the mere fact that they have not responded to my previous disputes, I am requesting they cease collection efforts, which continue to diminish my creditworthiness and return this account to the original creditor who has been paid in full for this debt. Additionally, this entry must be removed from my credit reports immediately.