Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SERVICEMAC, LLC
State: IL

Complaint narrative:
I have been damaged as a consumer by XXXX. 

XXXX is multiple violations under the FDCPA & FCRA, such as harassment. and false inaccurate, nonconsensual consumer reporting. 

1 ) This all started on XX/XX/XXXX when I had requested a validation of debt request from XXXX. This notice was received on XX/XX/XXXX. 
2 ) I received no response and started to receive calls from representatives of XXXX trying to get me to pay for on account that was not validated. 
3 ) A second request was sent out XX/XX/XXXX and received by SERVICEMAC on XX/XX/XXXX. 
4 ) More calls continued regarding payment on the account while the validation was being requested. 
5 ) Irritated due to harassment and frustration, I call SERVICEMAC and spoke to multiple representatives ( all trying to receive payment on the account that was not validated ) until I finally expressed my frustration and informed them of the FDCPA violations that were being done. The representatives created a ticket to have someone call me regarding the validation request. 
6 ) I receive a call from a XXXX XXXX. 
7 ) He starts with the debt collector disclaimer and immediately asks for payment on the account. I inform him of an incomplete VOD request. He confirms they have received the request and are still working of the request. He offers to send it electronically and I deny and ask to send via mail as originally requested. He agrees to do so. He sends an attempted validation via email anyway and quickly reply asking for it to be sent via mail per original request on recorded call and original validation. He also confirms the harassment that was being conducted while my XXXX request was on file. 
8 ) More collection calls continue while waiting for XXXX XXXX to mail VOD request. 
9 ) I call back in XX/XX/XXXX to complain about the ongoing collections and was I transferred XXXX XXXX. I inform him of the continuous harassment from his company and he is very unempathetic. I ask about the status of the XXXX, and he stated that he sent it to me XX/XX/XXXX. I informed him of not receiving such documents and asked for proof of delivery via tracking so that we can see if it was still in route. XXXX XXXX tells me he not only could not provide this, but he had no proof of the matter as well. I ask him to resend the VOD documents and to refrain from contacting me regarding the account ( same as the request letter ) until documents have been received and he agrees.

10 ) It is now the first week of XX/XX/XXXX and I received a notification from my consumer report monitoring, that XXXX has reported delinquencies on my consumer report that had not been validated. While being damaged by this, a major uptick of billing statements, calls, and other letters began to come to me. I call to inform XXXX XXXX of the issues of the false credit reporting and harassment again. His response was " the reporting seems to be accurate and outside of the harassment we seem to have done no harm '' and denies me in removing the inaccuracies.

11 ) XX/XX/XXXX I receive a partial VOD dated XX/XX/XXXX from XXXX after they reported the account status to the consumer bureaus illegally and the validation was officially completed according to XXXX as of XX/XX/XXXX. 
12 ) Due to the incompletion of the VOD, I requested further validity including SERVICEMAC license to collect in the state of IL that was sent XX/XX/XXXX. 
13 ) On XX/XX/XXXX XXXX confirms that they have received the request and are still working on it only to never complete or send any further documents. Since then, I have been mistreated, harassed, threatened with foreclosure, and disrespected by XXXX and their agents. 

PLEASE HELP! 
11 ) I

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