Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Metro Collection Service Inc.
State: SC

Complaint narrative:
I am filing this complaint against Metro Collection Services regarding inaccurate and improperly verified credit reporting associated with an alleged apartment debt originally connected to XXXX XXXX XXXX in XXXX, South Carolina. Metro Collection Services is reporting this account to both XXXX and XXXX as a collection account. I formally disputed this account in writing and requested debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ). My dispute was sent by certified mail on or about XX/XX/year>. In my validation request, I specifically disputed : * the accuracy of the balance, * the validity of the alleged debt, * the reporting methodology, * the increase in balance from approximately {$170.00} to {$220.00}, * and Metro Collection Services authority and basis for reporting the account. Despite these disputes, Metro Collection Services verified the account as accurate to the credit reporting agencies. However, the documentation I later obtained from XXXX XXXX XXXX materially conflicts with the information being reported and raises serious concerns regarding the accuracy and reasonableness of Metro Collection Services investigation. The documentation from XXXX XXXX XXXX shows : * a final account statement reflecting approximately {$170.00} allegedly owed, * a move-out inspection conducted after I vacated the unit and returned possession, * and a handwritten notation stating Resident did not walk unit inspection. The move-out inspection and damage assessment were therefore completed without my participation after the surrender of the premises. Despite this, Metro Collection Services verified the account as accurate and continues reporting a higher balance to the credit bureaus. I believe Metro Collection Services may have violated the Fair Credit Reporting Act ( FCRA ), including but not limited to : * 15 U.S.C. 1681s-2 ( b ) by failing to conduct a reasonable investigation after receiving notice of dispute from the credit reporting agencies, * furnishing information that is inaccurate or materially misleading, * and potentially failing to accurately report the account as disputed. I also believe Metro Collection Services may have violated the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to : * 15 U.S.C. 1692e for misleading representations regarding the amount or legal status of the alleged debt, * and 15 U.S.C. 1692f ( 1 ) for attempting to collect amounts not expressly authorized by agreement or permitted by law if the additional reported balance can not be properly substantiated. Additionally, Metro Collection Services reporting appears inconsistent with Metro 2 compliance requirements governing accurate credit furnishing and dispute reporting to consumer reporting agencies. I am requesting that Metro Collection Services : 1. Conduct a proper reinvestigation of this account, 2. Provide complete documentation supporting the reported balance and all added charges, 3. Provide documentation establishing the legal basis for any increase beyond the original move-out statement. 4. Confirm whether the account has been properly reported as disputed to all consumer reporting agencies. 5. Cease reporting inaccurate or misleading information, 6. And delete the tradeline entirely if the account can not be fully and accurately verified. I am also requesting that the CFPB review whether Metro Collection Services has complied with its obligations under the FCRA, FDCPA, and applicable credit furnishing standards.

Company response to consumer: Closed with explanation