Consumer complaint received 02/22/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Consolidated Recovery Group, LLC (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is not true, the original amount charged back was not the amount reflecting on credit. Please request that this company provide a statement of what is owed with a complete break down so we may properly dispute this situation further. 

They are not reporting to credit properly if the date below is XX/XX/XXXX. It is THEIR responsibility to report correctly. 

We do NOT owe this money, its a fraudulent charge back. Additionally the company has never sent us a bill, a breakdown, or provided evidence of a valid chargeback. 

We have, however, provided a lot of documentation to show the charges were correct and valid. 

Also, they had our original date of reporting incorrect by half a year. Based upon the correct original date of reporting this needs to be removed from credit. Where do they get XX/XX/XXXX as a removal date? This date doesnt match a single thing according to law? 

Here is what they said before : Once again, the charge backs, fees and interest that XXXX XXXX was charged were entirely contractual. No money was added to the balance because of attorney fees or any other fee that was n't strictly agreed to in his contract with XXXX ( XXXX ). We report all of our personally guaranteed merchant accounts the exact same way using a Merchant Account code with the bureaus. This is an automated process. Further, we report the first date of delinquency exactly as the client gives them to us. Our List Dates are reported as of the date we receive the account. Innovative informed us that the first date XXXX XXXX 's account went into delinquency was XX/XX/XXXX. The bureaus are responsible for monitoring the dates and deleting lines in accordance with the FCRA. If XXXX XXXX believes the line should be deleted because the 7 years has run, he should contact the bureaus directly to accomplish that. 

At the end of the day to fraudulently charge back an item and then ruin someones credit is criminal. We want to see this company provide the CFPB with the documents we sent, we sent a lot of information and pictures, and explain how they can legally charge back a valid charge. 

This company sounds like a broken record talking about the responsibility of a consumer. This is not about our responsibility as the consumer, this is about a valid charge back. 

No matter what the contractual obligations are, you can not illegally charge back a charge. Consumers have rights as well, the contract we held with the company has nothing to do with their reactions and actions in relation to the responses we are receiving thru the CFPB. 

Again, this is not about whether we agree or disagree with a contract, this is about the company listed acting against the law and in contradiction to their own contract. In fact, we were supposed to have the RIGHT to defend ourselves and at what point was the massive documentation of mechanics bills and photos not enough? I mean where is the honesty in America people? 

Shady business dealings, never acceptable. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation