Consumer complaint received 2017-07-10
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Management Company (PA)

To whom it may concern, This is a two part complaint against both parties involved. This complaint is against Credit Management Company. <P/>According to my credit report, on XX/XX/16, Credit Management Company opened an account for an amount of {$420.00}. They have the original creditor listed as XXXX XXXX XXXX XXXX. <P/>1. ) I have no idea who XXXX XXXX XXXX is. 2. ) I am completely unaware of an amount of {$420.00} 3. ) I 've never received anything in writing from Credit Management Company stating they had my account. Nothing was ever sent to me in writing showing who/what this is for, a balance breakdown, nor an option to pay before it was reported to the credit bureaus. <P/>I received a phone call from Credit Management Company and that 's how I was made aware of the debt. <P/>XXXX is the representative that I spoke with and he confirmed the account was from XXXX XXXX XXXX XXXX  and for {$420.00}. I advised him that I do n't know that creditor. He had to place me on hold to further research and came back to say that the balance is from XXXX XXXX XXXX XXXX XXXX. Since the creditor name and balance did not match, I requested that he send me proof of ownership and he advised that I would have to speak to the original creditor to get that information. <P/>I called XXXX XXXX XXXX XXXX & spoke to XXXX XXXX who advised that account was sent to a collections agency for {$290.00}. She was n't able to send me original documents confirming my debt but she did send me a " payoff '' letter to my email stating that {$290.00} was the balance & if I paid it off that they would update my credit files. She explained that the credit agency should not be reporting a different amount than what they sent. <P/>The address listed for XXXX XXXX on my credit report is : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX There are multiple discrepancies with this account and creditor. <P/>1. ) They are reporting an inaccurate balance.
2. ) They are reporting an inaccurate name, address, account & phone number of the original creditor. <P/>Both XXXX XXXX XXXX XXXX and Credit Management Company are reflecting a balance on my It is illegal to report inaccurate balances and illegal to have inaccurate information reflecting on my credit report. It is illegal for them to decline my request for proof of ownership and to refer me back to the original creditor. <P/>Both XXXX XXXX XXXX XXXX and Credit Management Company are reflecting an active balance on my credit report so points were deducted from my credit score twice for what 's to be one account. I 've tried contacting both parties are neither took accountable in removing one of the accounts from my report. They both kept referring me back to the other party. <P/>Reporting inaccurate information alone, is grounds for dismissal. I filed a dispute with XXXX as well and the representative said that nothing is matching on their end either. They could n't fine one similarity that showed it was duplicate record. <P/><P/>RESOLUTION : This needs removed in its entirety from my credit report.