Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Perfection Collection (TX).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: On  XXXX /  XXXX   I was contacted by an unknown number stating they had legal documents to drop off an I needed to sign for them. I ask what the documents were about and was told it was a judgement that needed to be sign for and was given a number to call   XXXX   XXXX  . I call the company and was told that it was for a delinquent account from  XXXX  that was sold to them. I contact  XXXX  which I have an account with   XXXX   for over 2 years and have been in good standing every since. They had me send in proof of my signatures to verify it against the delinquent account. I receive an email   XXXX  / XXXX  from   XXXX   stating the account I'm disputing has been sold to Perfection Collections. Due to this they legally cannot review my claim. I will need to contact Perfection Collections to have the disputed account reviewed on my allegations. I was offered a 3 month credit on my account for having to go through this. I contacted Perfection Collections about the account and was told they would send me the information for the account in question. I received the email  XXXX / XXXX  with the signed contract that they are stating I signed. I in return sent them signed paperwork, my license and military ID to show that those signatures do no match. I contacted Perfection Collections on   XXXX  / XXXX  and was told those signatures look alike and it was my account and I needed to contact the other name on the account and get the money from them or file a fraud against that person. When the account was opened I lived in  XXXX  so I'm not sure how they can say it's my account. It has a wife listed as   XXXX   XXXX   on the account and I've been married since  XXXX  and that's not my wife on the account. I believe Perfection Collection is trying to use a strong arm tactics to extort money from me.

Email from   XXXX   
From:   XXXX   XXXX    >
         Date:   XXXX   XXXX   XXXX   at   XXXX   XXXX   CDT
         To: "r  XXXX   XXXX   XXXX   > "  >
         Subject: Regarding   XXXX    Service Number:   XXXX  

         Hello  XXXX ,
         My name is   XXXX   XXXX   XXXX   XXXX   XXXX   and I review claims on a contracts validity for   XXXX   XXXX   XXXX  
         Unfortunately, the account you are disputing has been sold to Perfection Collections.  Due to this I legally cannot review your claim.  You will need to contact Perfection Collections to have the disputed account reviewed on your allegations.  The below link has their address and phone number.

         Perfection Collections < Caution-  XXXX   >

         Per our discussion regarding your account,   XXXX   XXXX  , I will be waiving three months of service.  This offer, depending on how fast the credits will go through on our end, will either waive  XXXX  through   XXXX   OR waive  XXXX  through  XXXX . Please use this email for your records.   I have notated our discussion on your account on case  XXXX .

         Thank you,
           XXXX   XXXX  )
         Special Cancellations  Customer Advocate   XXXX   XXXX              XXXX   XXXX   XXXX   XXXX   XXXX  , UT   XXXX   
         v XXXX 

Email from Perfection Collection

  XXXX   XXXX    
   Reply |   
Today,   XXXX   XXXX  
 You 
 XXXX , 

I did some digging on your account. You lied to me when you told me you didn't know  XXXX .If you didn't sign it, then have her pay or charge her with fraud.

According to what I was able to dig, you lived at the property from:  XXXX  to  XXXX 

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Utilities
   XXXX   XXXX   XXXX   XXXX  ,  XXXX , TX   XXXX   ( XXXX  COUNTY) (  XXXX   XXXX   XXXX  )
Subdivision Name:   XXXX   XXXX  
And  XXXX  lived there from:   XXXX   XXXX   XXXX  

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Utilities   XXXX   XXXX   XXXX   XXXX   XXXX   TX   XXXX   XXXX   XXXX   (  XXXX   XXXX   XXXX  
Subdivision Name:   XXXX   XXXX  

The alarm system was installed in   XXXX   XXXX   XXXX   while you were both living at the address.

  XXXX   XXXX  r
Perfection Collection
  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , UT   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation