Consumer complaint received 2025-03-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Servicing Solutions, LLC
State: GA

Complaint narrative:
Servicing Solutions illegally and fraudulently placed a collection file on my credit file, reporting 30 DAYS late, account # XXXX in the amount of credit card {$960.00} dated XX/XX/XXXX, ( which is false ) because this literally just showed up on my credit file XX/XX/XXXX. This is fabricated as well because initial contact with Service Solutions was in XX/XX/XXXX, which would have made this alleged account # XXXX accede far beyond 30 days. After the initial contact in XX/XX/XXXX, I sent them several emails to cease and desist all communications and any credit bureau reporting unless debt has been validated under the FCRA. They couldnt provide a wet signature of a contract between myself and Servicing Solutions of the actual validity in their claim. In these six email correspondences, I also advised them that they need to send me a letter stating that they are going to close the account since they couldnt provide that information. They went against all the required information to prove alleged debt by only sending statements which do not valid business between myself and Servicing Solutions. I also attached a XXXX XXXX XXXX report showing that Servicing Solutions does not have jurisdiction to even collect in the state of Georgia. After illegally placing this collection account on my credit file they are now conveniently calling themselves Servicing SolutionXXXX XXXX to appear different to collect, after I brought to their attention that they have no standing practices to collect in the state of Georgia. In addition, the Congress has passed the FCRA and FDCPA codes 15 US Code 1692 ( g ) and 15 US Code 1692 ( c ) against collection agencies. It is illegal to report transaction history per 15 USC 6801, Policy of Congress that each financial establishment or institution has an affirmative obligation to respect the privacy of its consumers. Servicing Solutions has continued to badger abuse and harass me after I thoroughly communicated with them that this alleged debt is not valid, which is illegal per code 15 US Code 1692 ( d ) ( 5 ) causing my telephone to ring repeatedly harassing me and they never produced a valid contract with my wet signature that I had any business dealings with them. This is an invasion of my privacy to hurt my credit profile allowing an entity that I have never done any business with, per 15 USC 1681 B ( 2 ), which they are being allowed to put this negative item on my private credit file without my written consent and this identity theft per code 15 US Code 1692 ( c ) ( a ) communicating without my consent. I will be following up with the FTC because my identity was stolen and this negative item on my credit file does not belong to me. I have never opened an account with Servicing Solution said date XX/XX/XXXX. How can Servicing Solutions which was the initial letter sent to me now calling themselves Servicing Solutions Intervest can be a collections agency but alleged I was given a credit card, which is fraud. This is an invasion of my privacy and very stressful to say the least. One last information that is vital is that all of my information has been suppressed through XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, therefore there is nothing that they should have access to. I am happy to say that I appreciate the CFPB taking actions in suing XXXX and XXXX. According to the 15 US Code 1681 a ( w ), we are all aware that XXXX XXXX and XXXX are paid by private businesses that get paid by the original creditors to place negative items on credit reports without authorization, which is illegal, but they continue to do so because they will in turn lose money if they delete the negative items.

Company response to consumer: Closed with explanation