Consumer complaint received 2021-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Bureau Services of Iowa Inc.
State: IA

Complaint narrative:
XX/XX/XXXX Credit Bureau Services of Iowa , Inc. 
XXXX XXXX XXXX XXXX XXXX. Box XXXX XXXX, Iowa XXXX Attention : XXXX, Supervisor RE : File # XXXX XXXX, I am in receipt of your letter dated XX/XX/XXXX and continue to further dispute File # XXXX in the amount of {$410.00}. I have requested copies of any open invoice 6 times since XX/XX/XXXX. I still have not received what I asked for. In addition, Credit Bureau Services is in anticipatory breach, not adhering to the contents of your own letter and subsequent actions : to NOT REPORT my file to a national credit service if I am disputing the amount. 
My husband and I called your office on XX/XX/XXXX, after receipt of your XX/XX/XXXX letter regarding XXXX XXXX. We spoke to XXXX at XXXX XXXX, who informed my husband the amount owed was for a rented router that needed to be returned. XXXX returned it to XXXX main office only upon XXXX XXXX  office re-opening due to the Coronavirus Pandemic. I repeat, the delay was due to XXXX XXXX office being safely closed for health reasons. 
On XX/XX/XXXX, at XXXX XXXX., we called and spoke to XXXX who told my husband the amount is disputed and now the ball was in XXXX court. XXXX gave us incorrect information with a false security that the router was the problem, not open invoices. 
Both of our calls were made well within the 30-day period disputing the validity of the charges as referenced in paragraph 2 of your letter. 
On our phone call XX/XX/XXXX, you informed me that my file was coded a dispute. That is incorrect! I received an email from XXXX  on XX/XX/XXXX stating my account was in a serious negative status. The actions by Credit Services of Iowa have placed my account in negative credit status. I am a former XXXX XXXX XXXX XXXX and worked of all places, XXXX XXXX, who was bought out by XXXX. I know when an account is in dispute versus an account forwarded to collection. I am well versed in credit procedures. 
Once again, I asked but have not received invoices. They are pages of statements with unanswered balance forwards. No knowledgeable customer pays off a statement. 
To reiterate, the fact is the Credit Bureau Services of Iowa, an XXXX collection agency, failed, under the terms outlined in your letter dated XX/XX/XXXX, by not providing me with detailed, individual invoices for each month XXXX shows no receipt of payment. As per our conversation and those preceding, I DO NOT pay off of statements or balance forwards. I asked for each invoice. Once again, I was mailed statements. 
On XX/XX/XXXX, I called XXXX  after receiving their email dated XX/XX/XXXX who reported my XXXX  account was in collection, NOT a dispute. 
XX/XX/XXXX, I called and spoke to XXXX XXXX who transferred me to XXXX. Same issue, different day. On XX/XX/XXXX, I called at XXXX XXXX. and spoke to XXXX. I asked for XXXX who XXXX said my account was assigned to but was out to lunch. She offered to look at my account and help me decipher the contents, however, even she agreed that she could not make heads nor tails of my account. I asked for a return call from you because I can not reconcile the mess I received. I got statements, merely noting a balance forward, not individual monthly invoices with the amounts spelled out. 
My XXXX  account was set up with auto-payment until the month we moved service to XXXX. All XXXX invoices were paid until XXXX continued to withdraw payments from my XXXX XXXX Checking account. When I emailed XXXX back, the computer-generated reply was go online to your account to view but I no longer had an account. Finally, an email from XXXX came back with a message No invoice found. I have attached this and every other piece of information I have to outline what happened. Yet, XXXX continued deduction of payments without addressing my question what invoices do I owe? 
I have notified both you and XXXX  of your companys error. To correct it is quite simple. When I am provided with what exactly makes up that {$410.00} balance, and if it is a valid charge, I will gladly pay the amount. But I can not if I dont have an invoice that specifies which months charges are which. From a spreadsheet provided by XXXX, I have proof that XXXX and XX/XX/XXXX invoices were paid in full. 
In closing, I find it unsettling to learn that any staffer at XXXX who doesnt know the difference between a statement and an invoice should endeavor to train employees correctly. If the woman you spoke to at XXXX can not understand what I am asking for and provide me with what I need, please give me her name and phone number ( as I am still in dispute of the amount ) and I will gladly explain what I need to her. Finally, based on the aforementioned, I urge you to correct my report on file correctly by XXXX and get the negative status off my XXXX Credit Report. 
Thank you, XXXX XXXX XXXX Cc : XXXX XXXX, President and CEO XXXX XXXX, XXXX  XXXX XXXX. See enclosed attachments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation