Consumer complaint received 2018-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Second Round Limited Partnership, Austin, TX Branch
State: VA

Complaint narrative:
I am writing to file an complaint against XXXX, XXXX  and Second Round, LP for : Failing to keep accurate tradeline on my credit report, Refusing to provide Method ( s ) of Verification and information requested by me. Refusing to remove inaccurate tradelines when Second Round LP, did not provide sufficient requested info to back up their claim of alleged debt. XX/XX/XXXX I submitted a dispute with XXXX XXXX XXXX on XX/XX/XXXX I received a letter in response to my request for validation of said debt ; this notice listed XXXX XXXX as the original creditor and second round Lp as the current creditor with new account number XXXX ; listing the account open dateXX/XX/XXXX. In reponse to this onXX/XX/XXXX a request for validation was sent to second round Lp. After reviewing my credit report The issue of inaccurate negative trade lines submitted by Second Round, LP is still being reported. On XX/XX/XXXX I contacted them via phone and was alerted that the said debt had been Transferred to XXXX XXXX XXXX. Second Round LP, did not provided any solid documents to back up their claims. Second Round LP, was not the original creditor and they claimed they purchased this alleged account in XX/XX/XXXX Second round/ XXXX   failed to provide any valid affidavit ( s ). XXXX & XXXX further let Second Round LP to make another/ recent entry to mark " OK '' Current status, next to section 30 days late/ 60 days/ 90 days late, as " an new information '' / reply to my dispute. I did not make any payment to Second Round LP ever. This company, Second Round LP, which I hold no contract with nor have received any goods or services from, coninues to report collection accounts against my social security number in the amounts of {$3000.00} to XXXX  & XXXX  credit reporting agencies. I requested verification and validation of the alleged debts from both the credit agencies and Second round however the business failed to provide adequate proof/validation. This business does not have and has never had contracts with me for goods or services. They have not provided adequate proof of any obligations to pay the alleged debts. Account level detail and billing information is not valid proof of a contract. Where is the binding contract showing that I allegedly owe these debts? This company is in violation of the Fair Credit Reporting Act because they are reporting inaccurate and invalid information to the credit bureaus under my social security number. I demand that they remove all accounts from my credit report immediately, and cease all reporting in the future. Second Round LP is in violation of the Fair Debt Collection Practices Act because they are trying to deceive me by providing non verifiable and invalid information in order to collect money on debts that they are alleging to be mine without any contractual proof. This company did NOT provide me with a copy of any signed contracts for goods and services. I would like to have the inaccurate negative tradelines submitted by Second Round LP, to be removed from my credit report. Thank you.

Company response to consumer: Closed with explanation