Consumer complaint received 2025-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Concord Servicing Corporation
State: MS

Complaint narrative:
XX/XX/XXXX, I sent the following letter to XXXX Credit Bureau in XXXX Texas along with two form of IDs mailing it as certified mail. The letter reads : Please accept this letter as my formal written request for the following items on my credit report to be investigated.

According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30 day period beginning on the date you received this notice.

I demand to see Verifiable Proof ( This should be hard evidence that goes all the way back to the original creditor, not verification from a third-party database. ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : Concord Servicing LLC XXXX. 

XX/XX/XXXX, I sent the following letter to XXXX Credit Bureau along with two forms of IDs mailing it as a certified letter. The letter reads : To whom it may concern : Please be advised that this is my SECOND WRITTEN REQUEST for you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. The unverified items listed below remain on my credit report in violation of Federal Law.

According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ), you are required by federal law by request of the consumer, a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. You must provide this request by no later than 15 days after receiving this request for that description as according to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 7 ).

In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly. 

Who in your company verified these accounts? 
How did they verify them? 
Please provide me with the name of the individual, business address and telephone number of the person or business contacted during your reinvestigation. 
Include the documentation that was used to verify the dispute. 

You have NOT provided me a copy of ANY hard copy documentation showing that you have properly verified these accounts. Under Section XXXX ( XXXX ) ( A ) ( i ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section XXXX ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. Concord Servicing LLC XXXX. 

XX/XX/XXXX, XXXX completed the dispute claiming the company that reported the information has certified to them that the information is accurate. This item was not changed as a result of their processing of my dispute. 

XX/XX/XXXX I mailed off a letter to Concord Servicing LLC informing them that I am disputing the companys references on my credit report because of the lack of accuracy. I informed them of the recent dispute on this account with the credit reporting bureaus, and the information was reported as verified and accurate. I informed them that I am disputing the following information directly with them, the furnisher of information, and I am requesting that they investigate as outlined in the FCRA Section 623 for the inaccurate XXXX. 
I informed them if they are unable to perform a reasonable investigation, or are unable to locate the necessary documents to investigate my dispute ; then they are required by the FCRA to remove the negative information from my credit reports. Also informing, If they were able to conduct a proper investigation of the records for this account and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. I also requested that they send me an explanation of the investigative methods they used to verify my account so I can conduct my own investigation into the accuracy of their records and verify that a reasonable investigation was completed. Informing them to send all correspondence to my address at XXXX XXXX XXXX in XXXX, XXXX XXXX. 

To date, XX/XX/XXXX, Concord Servicing LLC have failed to send any copy of documentation requested in the letter that was sent out on XX/XX/XXXX. 

I filed a police report on XX/XX/XXXX for fraud because I did not authorize the account. 

XX/XX/XXXX, I mailed off the police report certified mail along with XXXX forms of IDs. 

XX/XX/XXXX, I sent the letter off to XXXX Credit Bureau along with XXXX IDs, DL & SSC and a second copy of the police report certified mail. The letter reads : Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly ; but have not provided a reasonable method of verification? 

I request for the third time that you provide the method of verification you used. Your response should provide : The name of the individual business address and telephone number of the person or business contacted during your reinvestigation. 
The name of the person who verified the dispute with the original creditor The documentation that was used to verify the dispute To date, you have NOT provided me a copy of ANY documentation ( Hard evidence that goes all the way back to the original creditor, not verification from a third-party database ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). In fact, under Section 611 ( a ) ( 7 ) you were required to provide a description of reinvestigation procedure by no later than 15 days that included information as described in Section 611 ( a ) ( 6 ) ( B ) ( iii ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately : Concord Servicing LLC XXXX. 

XX/XX/XXXX, XXXX completed the dispute after requesting a reinvestigation on XX/XX/XXXX, claiming the company that reported the information has certified to them that the information is accurate. This item was not changed as a result of their processing of my dispute.

Company response to consumer: Closed with explanation