Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with The Phoenix Recovery Group (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: **This is a formal complaint about inaccurate information being reported on my credit report. Under law, a credit reporting agency must take action to verify information submitted as inaccurate. And verification must be submitted to me and I have NOT received any verification.   I believe the following information to be inaccurate.     1.CREDITOR NAME -  XXXX . - Account type- automobile.
  **i am disputing this account for inaccurate information. The last report date of the account was  XXXX   XXXX  so there 's no excuse as to why this accounts displaying inaccurate information.     I am attaching proof that this account has received some form of payment after the date reported for last payment received. They are aware of my financial problems and how I lost my job and agreed to work with me.The monthly payment is also reported WRONGLY. My payments are  (  twice a month ) for {$220.00} totaling {$440.00} NOT {$480.00} as  XXXX  falsifies.   The above listed creditor reported different dates for each Bureau, which all are INACCURATE. So this creditor has reported incorrect information to all  XXXX  bureaus, which is damaging my score with each. I can provide ANY proof that all  XXXX  reports have different information on the areas that I have pointed out. When seeing such inaccuracies, I am to believe the creditor does n't care how this affects my credit and my future success. I am in the process of fixing all and any mistakes. PLEASE I 'm requesting REMOVAL of this account, as it is actually in fact in violation of the Fair Credit Reporting Act. I want a full removal/deletion as it is harming my credit.   Thank you kindly, **Phoenix Recovery  Group- original  Creditor :   XXXX   XXXX   XXXX   XXXX   XXXX . Balance : {$1600.00}. The original Creditor was supposed to disregard all charges including the transfer to collections.  XXXX  proof was provided before my departure but apparently the account was still turned to collections. I have provided documentation of  XXXX  proof. FEDERAL LAW allows Termination of any lease. Federal law, 50  U.S.C. App. section 535, k nown as  Servicemember Civil Relief Act ( SCRA   XXXX . I 'm requesting FULL DELETION OF THIS ACCOUNT. The original creditor also went against federal law because I am  XXXX  personnel so I should n't be held accountable if I was on  XXXX  I trust that you will resolve this issue. Again no verification has been sent to me about the status. I just do n't understand why they would try to be so sneaky, as a member of the  XXXX  I did n't expect this at all.   Please help me as I am trying to redeem myself and work on my credit. And fix anything that should be fixed. I want to see myself as a home owner in the future and also retire  XXXX  Thank you and I look forward to any information reguarding my issues as I 've disputed and have gotten no where.     I can provide any further info if need be. And also if you need the following payment and dates for  XXXX  I can provide that as well

Company response to consumer: Closed with explanation