Consumer complaint received 2019-07-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Merchants and Medical Credit Corporation, Inc. (MI)

I am writing to file a complaint against Merchants and Medical Credit Corp., Inc. for threatening to add an unverified ill-legitimate debt to my credit report and then acting on their threat, damaging my credit. 

On XXXX I received a notice of their intent to collect on a debt for the original creditor XXXX XXXX XXXX, XXXX. I followed the instructions to dispute the debt and contacted them in writing by Certified Mail telling them that I disputed the entire debt. 

I called Merchants and Medical Credit Corp.on XXXX after receiving the documents pertaining to their collection efforts. I spoke to " XXXX XXXX '' ( the name she gave me ) between XXXX and XXXX. She told me that I did owe this debt and proceeded to tell me how it was that I owed this debt. I could tell she was getting upset when I was adamant that I didn't owe the debt. I told her that I had a document that proves that I don't owe the debt. She told me that she didn't care what I had. I asked for receipts for the damage repairs. She told me she didn't care what I wanted. She told me that they had done what they are supposed to do and she was putting it on my credit report and hung up on me. At the beginning of our conversation she informed me that our conversation was being recorded so this can be substantiated by their own recording. She did put this on my credit report. She also put that it was FCRA compliant. 
They did not attempt to validate the debt and they would not accept my proof that it was an invalid debt. This was a Landlord-Tennant dispute. This has already been settled in a court of law. I have a copy of the Judgement for " Possession Only '' to XXXX XXXX XXXX XXXX, no money judgement at all, and the case has been closed since XXXX. 

In addition, the documents they are trying to collect on aren't even legal or correct. They are trying to collect on an un-dated " Itemized Security Deposit Deduction '' form in which the last line states : " After totaling all charges lawfully assessed against your security deposit, a deduction of {$220.00}, a balance remains in the amount of {$1500.00}, a check or money order for the remaining balance is enclosed. By cashing the check or money order you agree to the above amount. '' This wording states that the XXXX XXXX XXXX owes me money back from my deposit and are sending me a check or money order for {$1500.00}. Not demanding a debt of {$1500.00}. 

Even without my Judgement proof, common sense dictates that this is not even a debt, let alone a legitimate debt. Clearly Merchants and Medical can read on their own that this describes a credit due to me, not a debt owed to XXXX XXXX. 

I am also filing a separate complaint against XXXX XXXX XXXX, XXXX for fabricating charges and furnishing this as a debt to Merchants and Medical Credit Corp. for  collection purposes, knowing this is not a legitimate debt. 

Having Merchants and Medical Credit Corp put this as a collections debt on my credit report has been/will be costly for me. I believe it was put on with malice and intent to damage my credit due to the conversation with the Merchants and Medical Credit Corp representative. This should be corrected immediately before any more damage is done to my credit. 

I have uploaded all documents sent to me by Merchants and Medical Credit Corp., Inc. 

Thank you, XXXX XXXX Debt Collector : Merchants and Medical Credit Corp. Inc. 
XXXX XXXX XXXX , XXXX, MI XXXX Local # ( XXXX ) XXXX Toll-Free # ( XXXX ) XXXX Reference No : XXXX Disputed Amount : {$1500.00}