Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
I am filing a formal complaint against Eastern Account System, located at XXXX XXXX XXXX, XXXX, CT XXXX, for violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Despite my formal debt validation request sent on XX/XX/XXXX, Eastern Account System has failed to respond to my dispute, verify the debt, or correct the inaccuracies reported on my credit reports.

1. Failure to Respond to Debt Validation Request Within 30 Days ( 15 U.S.C. 1692g ( b ) ) On XX/XX/XXXX, I sent a debt validation request to Eastern Account System under the FDCPA ( 15 U.S.C. 1692g ), which requires them to validate the debt within 30 days of receiving the request. However, Eastern Account System has failed to respond to my request within the legal timeframe. As a result, the Eastern Account System debt is still listed on my credit reports, despite my valid dispute. This constitutes a violation of 15 U.S.C. 1692g ( b ), which requires debt collectors to cease collection efforts until the debt is validated.

2. Failure to Investigate and Correct Inaccurate Credit Reporting ( 15 U.S.C. 1681i ( a ) ) The FCRA ( 15 U.S.C. 1681i ( a ) ) requires credit reporting agencies to investigate and correct any inaccuracies within 30 days of receiving a dispute. Despite notifying XXXX and XXXX of the disputed debt, the Eastern Account System debt continues to appear on my credit reports from both agencies without correction. The reports contain inaccuracies such as : o Incorrect balance : The reported balance of {$510.00} is in dispute. 
o Misreported payment statuses : The payment status of the account is incorrectly reported. 
o Inaccurate dates of delinquency : The reported date of last activity is XX/XX/XXXX, which may not reflect accurate information.

Eastern Account System has not provided any verification or evidence that I owe this debt, violating my rights under the FCRA. They are also responsible for ensuring that the information reported to the credit bureaus is accurate and complete, per 15 U.S.C. 1681e ( b ).

3. Failure to Cease Collection Activities ( 15 U.S.C. 1692g ( b ) ) As per 15 U.S.C. 1692g ( b ), once a debt is disputed, the debt collector must cease all collection activities until they provide validation. Despite my request for validation and notification of the dispute, Eastern Account System has continued to report the debt to XXXX and XXXX, violating the FDCPA by continuing collection activities without providing validation. 
XXXX. Failure to Provide Documentation Used to Verify the Debt ( 15 U.S.C. 1681g ) Under 15 U.S.C. 1681g, I have the right to request the documents that XXXX used to verify the debt reported by Eastern Account System. I requested these documents as part of my dispute, but to date, I have not received any verification from Eastern Account System or XXXX. Their failure to provide me with proof of the debt is a clear violation of both the FCRA and FDCPA. 

Due to the negligent and unlawful actions of Eastern Account System, I have suffered financial and emotional distress, including damage to my credit score, denial of credit opportunities, and undue stress caused by their failure to correct inaccurate information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation