Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Collection at Law, Inc. A.P.C.
State: CA

Complaint narrative:
XX/XX/year> Dear XXXX XXXX Customer Service, I am writing to formally request the removal of the negative reporting associated with my account [ Account Number XXXX ] from my credit file. Please find attached a copy of the letter issued by XXXX upon investigation, which confirms that this reporting should be deleted. Additionally, I have included the correspondence from the Office of the Attorney General of California that supports this resolution. This XXXX letter was sent to me by the Office of the Attorney General of XXXX supporting this resolution. 
The investigation conducted by XXXX has confirmed that the negative reporting was inaccurate or unjustified and therefore must be removed. As per my understanding, under the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure that the information reported to credit bureaus is accurate and reflects the findings of investigations conducted. 
I respectfully urge XXXX XXXXXXXX XXXX  to comply with the findings of this investigation and take immediate action to remove the negative reporting from my credit file to prevent further harm to my credit history. Please confirm receipt of this letter and provide written confirmation once the negative reporting has been deleted. 
Additionally, sending a process server to my home yesterday after I returned from work is a complete harassment. The process server did not disclose the company he was working for or his full name when I asked him simple questions. He stated that he was not working for XXXX XXXXXXXX XXXXXXXX  but was just a process server. When I asked more questions, he threw the court documents on the ground in front of me and left. I have photo and video evidence showing the process server at my home at XXXX PM on XX/XX/year>, when I was very exhausted from work. 
This harassment occurred because XXXX XXXX Bank hired a lawyer from a Collection at Law firm, to whom I have already responded in the past, stating that I am a victim of identity theft through coercion, manipulation, deception, and fraud. This must be stopped immediately. The actions of XXXX XXXXXXXX XXXX and the Collection at Law firm are not complying with the Consumer Financial Protection Laws in the United States of America. This is not a XXXX XXXX XXXX where victims can be treated in such a manner. 
Out of the XXXX ( XXXX ) banks involved in this fraud, XXXX XXXXXXXX XXXX  is the only institution that has not ceased its harassment. This relentless pursuit has taken a significant toll on my health, and I am unable to work peacefully due to the constant pressure to repay money that I did not spend. 
I hope that XXXX XXXX will respect U.S. consumer protection laws and take swift action to resolve this matter. I look forward to your prompt response and a resolution that allows me to move forward without further distress. 
Thank you for your attention to this urgent matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation