Consumer complaint received 2024-10-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Duvera Billing Services, LLC
State: NJ

Complaint narrative:
To Whom It May Concern, Subject : Second Notice Follow-Up on Charge-Off Dispute and Request for Documentation Regarding Account XXXX Re : CFPB Complaint ID : XXXX On XX/XX/XXXX, I sent you a formal dispute letter regarding the reporting of the charge-off account associated with XXXX on my credit report. In this letter, I requested the following : 1. Authenticated double-entry accounting records for the account.

2. Authenticated evidence, including original signed contracts or agreements, verifying the legal right to collect and report the debt.

3. A copy of the 1099-C form, if the debt has been canceled or settled for less than the full balance.

I requested a response within 30 days of receipt of the letter, but I have yet to receive the requested documentation or confirmation that the account has been deleted from my credit report. This lack of compliance constitutes a failure to meet your obligations under the Fair Credit Reporting Act ( FCRA ) and 15
U.S.C. 1681i ( Reinvestigation of Disputed Information ), as well as 15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information ) .

The electronic application bearing a computer generated signature does not suffice as adequate proof and legitimacy. It was also stated in the response letter from your company that this debt was SOLD to a collection agency, however you are continuing to report this account as still having a balance of {$1200.00} which is a clear violation of my consumer rights. The amount of careless negligence with handling this matter seems to be intentional at this point. 

Furthermore, in XXXXXX/XX/XXXXXXXX XXXX ( XXXX XXXX. XXXX ), it was determined that furnishers are required to conduct a proper investigation of disputes and verify the accuracy of information reported to credit bureaus. Your failure to respond and provide the requested documents is a violation of both your federal and state legal responsibilities. 

In light of your failure to comply, I am sending this follow-up letter to request an immediate response. If I do not receive the requested information within 15 days, I will be forced to escalate the matter further, including : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) for non-compliance with the FCRA. 
Pursuing legal remedies, including statutory and actual damages, as permitted by law.

Reporting this matter to the IRS and submitting a Suspicious Activity Report ( SAR ) regarding any potential fraud, should you continue to report inaccurate or unverifiable information. 

This will be my final attempt to resolve this matter directly with you. Please respond with the requested documents or confirm the deletion of this account from my credit report by 15 Days from the Date of This Letter Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation