Consumer complaint received 2018-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Penn Credit Corporation (CA)

This complaint is a follow-up complaint to XXXX   submitted on XX/XX/XXXX and closed on XX/XX/XXXX after Penn Credit responded to the complaint. Prior to receiving any response to the complaint referenced above, I emailed both the original creditor, XXXX XXXX XXXX, and Penn Credit, described as a third party collections company. On XX/XX/XXXXand XXXX I received a comprehensive list of bills, payments, and verifications from the original creditor. This shows dates of move in and out of residences covering XX/XX/XXXX thru XX/XX/XXXX. I submit these places of residence and dates appear to be accurate. Close examination of these records shows that the original creditor sets the date of first delinquency as XX/XX/XXXX.This was the first month a fee was charged for an overdue account. Also, the original creditor shows that at no time after XX/XX/XXXX was the account ever brought up to date. Payments were made but not the total amount XXXX XXXX ( XXXX ) stated as the amount due. So, it would seem that the date of first and sustained delinquency was XX/XX/XXXX-XX/XX/XXXX and not XX/XX/XXXX or XX/XX/XXXX as Penn Credit reported to XXXX, XXXX, and XXXX. I was under the impression, as per the response to complaint by XXXX XXXX, collections manager for Penn Credit ; he had requested debt verification from XXXX  and updated same as of XX/XX/XXXX ( I believe that may be a typo and XX/XX/XXXX was meant by XXXX XXXX ) Also, as of XX/XX/XXXX he states that an itemized breakdown outlining the debt was mailed to me. And that according to the FCRA he contacted and updated the credit bureaus as prescribed by law. I maintain that he has done none of what was described in the response by XXXX XXXX  when he responded to my original complaint. XXXX XXXX  sent me 3 pages ; a cover letter from Penn Credit, the last month bill from XXXX  of XX/XX/XXXX, and the second page which accompanies the bill from Penelec. No itemized list, no verification showing the accurate date when debt first came due. I know that Penn Credit, once a dispute is filed concerning the date of first delinquency must investigate and correct the date if evidence warrants same. It is apparent that XXXX XXXX did not do his due diligence as required by law. Question : Did XXXX send Penn Credit the same information they did me? Did XXXX or Penn Credit purposely try and conceal the date debt first became due? Did either XXXX or Penn Credit violate laws by not properly or timely fix reported errors of the date of first delinquency? Further, I am still not positive that third parties that aid indigent and XXXX individuals may have paid some of this debt but it was never credited. I applied to several companies, some of which were made available on the XXXX  website, for payment assistance. I am still investigating to see if any payments were made on my behalf. As evidence, I have the emails from XXXX XXXX XXXX responding to my email inquiry. They also sent copies of every bill and payment they claim I made. I have the 3-page response from XXXX XXXX. I have sent evidence of my assertions in this complaint with this complaint.