Consumer complaint received 2021-04-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: R & B Corporation of Virginia (MA)

I received a XXXX notice XX/XX/21 alerting me there were 2 adverse events just reported to the big 3 credit bureaus. I checked my XXXX account and it said the ORIGINAL creditor was someone called, XXXX, and the loan origination date was XX/XX/21. One amount was for {$1300.00} and the other was for {$700.00}. I have never heard of such a company. They had never tried to collect these monies from me before reporting these adverse events to the credit bureau by using, for example, my current address as noted in my credit file. As both were bogus, I filed a dispute online through XXXX website. On XX/XX/21, I received a notice from XXXX  that XXXX investigation, during which I was never contacted by it, was complete and I would receive the results of it in 7 days. Later that day, I found XXXX report in my mail and discovered the original creditor was actually XXXX XXXX, NOT Credit Control Corp. ( acts. # XXXX and XXXX ), who put the adverse events on my credit file - again, without ever trying to collect these debts from me. XXXX XXXX. a privately-held cable company that doesnt even service Massachusetts. When I called Credit Control Corp., they told me I had to resolve the dispute on my own with XXXX XXXX. Thats problem # 1 : being accused of wrong-doing and not being given the right to face my accuser until after they mete out punitive measures. Problem # 2 is equally easy to see : the time period for the service/equipment rental debt allegedly incurred by me was during a time when my credit file was frozen. How XXXX XXXX. was able to access it ( and I suspect they didnt because, if they had, they would have seen I didnt live at the XXXX XXXX address the identity thief provided ) is a mystery. Problem # 3 is also stupefying : this is a problem so widespread XXXX XXXX. has an entire website built to handle fraud claims with an enormously time-consuming procedure to navigate that requires a police investigation and notarized affidavitS. Its like XXXX XXXX opening additional accounts of customers without their consent. They should be fined up the XXXX, as XXXX XXXX was. XXXX said I had to straighten this problem out directly with XXXX XXXX, wherein I faced Problem # 4 : in providing XXXX XXXX. with proof of residency and ID, I was never assured of any privacy whatsoever, and now random people in its employ have copies of my mortgage statement, homeowners insurance, drivers license, and U.S. passport. Moreover, I was told a number of the documents I submitted werent enough proof of my actual residency, and I was asked to provide BANK STATEMENTS by XXXX fraud analyst, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX Office : XXXX, XXXX XXXX. I want all digital and hard copies destroyed after XXXX XXXX fixes this debacle, which he says will take them 7-10 business days and the credit bureaus up to 45-90 days, and I want XXXX XXXX to provide a notarized statement to me saying ( 1 ) he is the only person who has seen/used them, ( 2 ) he has not copied or given them to anyone or any other entity, and ( 3 ) he will not do so before destroying them. I also require notarized proof of their electronic destruction. This feels so un-American in so many ways. Asides : about that www.fraud-cox.com website - if this IS a case of account churning to boost revenue on a balance sheet, you may want to look into whether its being used to conceal money laundering since theyre obviously going to have to write down their losses. A service rep. told me XXXX XXXX. is based in Florida ; maybe everyone there inflates their revenues to deceive lenders and cheat on their taxes.