Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Summit A*R, Inc.
State: NV

Complaint narrative:
On XXXX XXXX I called Summit AR debt collection agency. I explained they have a collection account on my credit report that doesnt belong to me. I explained Im not liable for the debt, I requested a debt validation. They sent me an email with several documents attached. Nothing validated the actual debt. They sent the exact invoice that I sent to them explaining, I rented with XXXXXXXX XXXX XXXX and turned the vehicle in on XX/XX/XXXX. I sent them a copy of the email thread to prove it was a legitimate FINAL invoice from XXXXXXXX XXXX XXXX  which details ( the vehicle type returned, the date the vehicle was checked out, the date the vehicle was returned in, the final amount I owed/paid, no damages when I returned, and verified that all services had been rendered between me and XXXX XXXX XXXX Summit AR sent me a copy of my XXXX nexis report, several copies of the final invoice, a towing bill from XXXX, damage claim from XXXX, and information regarding a claim that was filed underneath my name and drivers license number illegally. XXXX put my name and reservation number on they claim, on most bills the accumulated which all happened in XXXX. XXXX must have forgot they had already sent me my final invoice on XX/XX/XXXX through email the date after I returned the vehicle. Somehow they have added a new date of vehicle return to the same reservation they sent me the final invoice for.they fraudulently changed the date to XXXX XXXX as the date of vehicle return. I sent summit the a copy of the original reservation and the final invoice. I also sent the the email thread from XXXX  in which they thanks me for rented and sent my final invoice. All damages and towing and anything that happened to the vehicle beyond XX/XX/XXXX, I AM NOT LIABLE for. They initially sent me my final invoice after returning the final yet months later they have changed the return date on the same reservation which was deemed complete by them initially. Summit has sent no proof of a new reservation beyond XX/XX/XXXX which makes me liable. The final invoice initially received by XXXX  is a legal binding agreement signed electronically by a XXXX representative and then sent to me. It clearly states all services were rendered! So to wait months /years later to say the vehicle wasnt returned is unethical. Summit keep repeating that they are not removing the account, that they have SPOKEN to XXXX and XXXX stated I abandoned the vehicle, that I refused to return the vehicle and I also damaged the vehicle! How? Where is the proof I was in possession of the vehicle. My reservation was completed XX/XX/XXXX! The damage was repaired in XXXX, the towing of the vehicle to XXXX was in XXXX. Summit has violated my rights under the fair credit reporting act! Summit have reported unverified, invalidated and incorrect information on my credit report. Word of mouth from XXXXXXXX XXXX XXXX is not enough. They both need facts. I have provide them both with legal facts! The original agreement and also the final invoice! That is legal binding and cleared me for anything after I returned the vehicle! XXXX cant just edit the vehicle return date to make me liable for damages and fees, after they had already verified I returned the vehicle and the date I returned which completed that reservation. Unless I rented again with a new reservation number because the other one was confirmed complete initially, and I magically refused to return the vehicle, they had to recover the vehicle, tow it and so forth with proof, then the debt would be validated but if XXXXXXXX XXXX XXXX or SUMMIT AR DEBT COLLECTION AGENCY do not have proof showing that, this debt is in no way validated, yet they refuse to remove the debt from my credit reports and it violates my rights.

Company response to consumer: Closed with explanation