Consumer complaint received 2025-01-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
I am filing this complaint against Eastern Account System for fraudulent and inaccurate reporting of a collection account on my credit report. This account is associated with an address I have never lived at : XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX, GA XXXX This address is NOT on my credit report, meaning that Eastern Account System is reporting an account linked to incorrect information, which should support the dispute that this account does not belong to me. 

Legal Violations & Supporting Claims : 1. Fair Credit Reporting Act ( FCRA ) Violations : 15 U.S.C. 1681b Permissible Purposes for Credit Reports Consumer reporting agencies can only furnish reports under strictly defined purposes.

Eastern Account System did not obtain my written consent to report this account, which is an unauthorized access violation.

15 U.S.C. 1681s-2 ( a ) Duties of Furnishers to Report Accurate Information Furnishers must ensure maximum accuracy before reporting an account.

Reporting a collection account tied to an address that does not exist on my credit report is a clear violation of FCRA.

15 U.S.C. 1681i ( a ) ( 5 ) Obligation to Delete Unverified Information If a consumer disputes an account, the furnisher must delete any unverifiable information.

The incorrect address alone proves that the account is invalid, yet it has not been removed.

15 U.S.C. 1681n & 1681o Civil Liability for FCRA Violations If Eastern Account Systems inaccurate reporting was willful, they are liable for statutory damages up to {$1000.00} per violation.

If negligent, they are liable for actual damages suffered due to inaccurate reporting.

2. Privacy Act of 1974 Violations ( 5 U.S.C. 552a ) My consumer report is a federally protected record, and its misreporting without my consent is a privacy violation.

Incorrectly associating an address with my credit report violates privacy protections under this Act.

3. Metro 2 Compliance & Reporting Violations Metro 2 guidelines, used by credit bureaus to format and verify data, require strict accuracy.

Eastern Account System failed to verify the address before submitting the account, violating Metro 2 guidelines.

4. Code of Federal Regulations ( CFR ) Violations : 12 CFR 1022.42 ( a ) ( 1 ) Duty to Report Accurate Information Furnishers must have reasonable procedures to ensure accuracy.

Eastern Account System failed to verify my address before reporting, violating this law.

12 CFR 1022.43 ( a ) Dispute Resolution Process When a consumer disputes information, the furnisher must investigate and correct inaccuracies within 30 days. 
Eastern Account System has not corrected this error, violating this requirement.

5. U.S. Code Violations ( 18 U.S.C. & Other Relevant Laws ) 18 U.S.C. 1028A Aggravated Identity Theft Reporting an incorrect address and account that does not belong to me could be considered fraudulent misrepresentation.

18 U.S.C. 1343 Wire Fraud If Eastern Account System electronically reported false information, this could constitute wire fraud.

15 U.S.C. 45 Unfair & Deceptive Practices ( FTC Act ) Reporting a fraudulent collection account with an incorrect address is an unfair and deceptive practice under the FTC Act.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation