Consumer complaint received 02-10-2018 about Debt collection (I do not know) with Commonwealth Financial Systems, Inc. (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I was notified by my credit monitoring services that a 2 new collection has been added to my account by XXXX XXXX XXXX. I have in the past have disputed my reports with them thru all 3 credit bureaus and won the disputes multiple times for the last 3 years for the same accounts and they still keep placing it on my account. I have worked extremely hard to clear my credit and resolved any owed debts in order to purchase a home which I have purchased one in XX/XX/XXXX at that time all my debt has been cleared on my credit report prior of the home purchase. Almost a year later they have placed the account on my credit report and damaging my credit score of 53 points and it does not go back up to that number after it has been removed it has only gone up 30 plus points multiple time after removal which has cost damage to my score over a period of times. 

I have contacted the company several times and resolved it with them and I was told that it will not be added to my accounts anymore in the future because it is a mistake on their end. I have not received any written notification from their behalf of these accounts that will be placed on my credit report and I have brought that to their attention several times reminding them that they are violating several articles of the FTC which cause them to remove the accounts again at later dates they reapply it to my account which has cause credit damage to my credit report. 

Here are the dates of the accounts I have had removed from Commonwealth Financial Systems and affiliations. Company Names, Dates and Amounts. 

Debt Recovery Solution XX/XX/XXXX XXXX XXXX XXXX XXXX   Amount XXXX *settled and dispute won removed from credit report* XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Amount XXXXreadded to my credit report and dispute won removed from credit report* Commonwealth Financial XX/XX/XXXX XXXX XXXX XXXX XXXX Amount XXXX *settle dispute won removed from credit report After the dispute was won and removed Commonwealth Financial sold the XXXX XXXX XXXX XXXX for the amount of XXXX to XXXX XXXX XXXX, XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX Amount XXXX *settled and dispute won removed from credit report* XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Amount XXXX *settled and dispute won removed from credit report* XXXX XXXX XXXX XX/XX/XXXX " XXXX XXXX XXXX '' XXXX XXXX XXXX XXXX Amount XXXX *settled and dispute won removed from credit report* Commonwealth financial XX/XX/XXXX XXXX XXXX XXXX XXXX Amount XXXX *settled and dispute won removed from credit report* Commonwealth Financial XX/XX/XXXX XXXX XXXX XXXX XXXX   Amount XXXX Commonwealth Financial XX/XX/XXXX XXXX XXXX XXXX XXXX Amount XXXX This account has been removed from my credit report multiple times no written letter or statement for this account as it is sitting on my credit report it has damaged my credit score 31 points it is in the process of being disputed. * I have also contacted Debt Recovery Solution back on XX/XX/XXXX via email over both accounts above. In the email from XXXX XXXX of XXXX XXXX XXXX   stated in a reply. " As advised, we have submitted a request to the credit reporting agency to have all open accounts in our office deleted from your credit profile. set forth below are the following XXXX # XXXX, XXXX. '' Again I contacted XXXX XXXX due to both reports of the same collection that was reported on my credit report for the 2 accounts I advised him it has been settled and not to reported again. his reply back was stated 'We have contacted the credit reporting agency and have instructed them to delete any updates placed on your credit profile all collection activity has been suspended '' Since XX/XX/XXXX I have been disputing and winning disputes with these companies. They have both done nothing but harass me and damage my credit score significantly. I personally want to file a lawsuit against these 2 companies for the damage that they have done to my credit score. The account has been settled and taken care of from the get-go and to this day I am still disputing their errors. What they are doing is illegal and should not be allowed I have personal email exchange stating that my account has been deleted and suspended and their words have not been kept. 

I have never once received a written letter from any of these agencies over these debts that it will be placed on my credit reports. I have dealt with nothing but abuse of power to ruin someone credit from these companies.

Company response to consumer: Closed with explanation