Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Receivables Performance Management, LLC (UT).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have disputed a collection on my file more than once and they refuse to remove it. 

I recently completed a chapter XXXX bankruptcy. Everyone on this planet that I owed money to was listed on that bankruptcy. No entity was left out. 

Shortly after the discharge of my bankruptcy I requested a credit report. Mysteriously, a collection that was never on my account prior to the discharge suddenly showed up as a collection AFTER the bankruptcy. The collection, IS NOT MINE. The collection shows as a joint account from XXXX from XX/XX/XXXX. First and foremost, I have NEVER had a joint account with anyone. Second, I currently have a XXXX account which I just barely opened last year and it is, IN GOOD STANDING. 

First thing I did was contact the collection agency, SEVERAL TIMES. The agency is, Creditor Information RECEIVABLES PERFORMANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX When I contacted the collection agency and finally talked to someone it was not the person I was supposed to talk to. They refused to transfer me to anyone else. Would not even transfer me to a supervisor. They just kept telling me that they could not remove it because I did not have an account number. I explained I did not have an account number because IT IS NOT MY ACCOUNT. I also explained about the bankruptcy and that if it was my account it would have been listed prior to discharge. She refused to hear me out and said she could not help me without an account number. 

I contacted and emailed their accounts " escalations '' department and left at least 10 messages with my name and phone number and nature of my call. I have yet to receive a call back OVER THE LAST SEVERAL MONTHS. Below is a list of contacts I have utilized : Telephone Phone : ( XXXX ) XXXX XXXX XXXX Phone : ( XXXX ) XXXX Escalations Phone : ( XXXX ) XXXX Email : XXXX Shortly after informing them on a voicemail that this was not my account and that I had a bankruptcy of which this account was not a part of, mysteriously somehow without a supposed " account number : '' they were able to find the account and report to XXXX  that it was in my bankruptcy. WHICH IT IS NOT. ( I have a lawyer and he can verify this information. ) When I saw that on my report I exploded. I tried reporting both XXXX and the collection company to the FTC. So far I have not heard back. I sent an email to every executive I could find in XXXX, XXXX, and XXXX and both XXXX and XXXX do not have this collection on my reports and have responded to my request to make sure it does not get on the report. 

A XXXX executive responded by giving me a letter specifically stating that my account is in good standing and I do not have a collections. I sent this to everyone and still no help or changes have been made to my report. 

The people who have never responded are XXXX, except to deny my dispute and they have made it impossible for me to access my account information on XXXX  to keep disputing it. They keep saying my password is wrong and when i call them they say they fixed it but they never do and I have not had access for over a month now because they seem to be blocking my ability to get into the account. They tell me to call them and I do and I do everything they ask and I still cant get access. I have done that at least 3 times or more. 

I have never heard from Receivables Performance Management. If they cant help me without an account number how are they able to change the false information they are reporting to XXXX and falsely claim that the collection is on my bankruptcy? IT IS NOT!!!!!!! BECAUSE IT IS NOT MY ACCOUNT. I did not include it in my bankruptcy because IT IS NOT MINE!!!!! To me this suggests their is illegal practices being coordinated inside both companies. 

I promise you I spend most days crying about the entire ordeal. I am a XXXX Veteran with XXXX and this has sent me into XXXX, made me XXXX and cause me to exacerbate my XXXX. I do not know how much more I can take. I have taken several months to do my bankruptcy as perfectly as possible. I have contacted a law firm to find out if I have a lawsuit against both companies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation