Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Express Collections, Inc.
State: MA

Complaint narrative:
Subject : Needing Your Help More Than Ever After an Unresolved Dispute Dear Consumer Financial Protection Bureau, I hope this message finds you well. I'm writing to you not just as a concerned consumer, but as someone who feels incredibly stuck after an investigation that did not solve issue.

It seems like we're back at square one, with the debt collector still not providing clear proof or correcting the mistakes on my credit report. It's frustrating, to say the least, and it feels like my hands are tied. I asked for all purchases agreement/s all the way up to orgininal creditor, including their agreement with whomever they bought it from due to my concerns of the debts validity.

The truth is, this whole ordeal has taken a toll on me. Not only am I worried about my credit score and what this means for my future financial stability, but I'm also losing sleep over the potential misuse of my personal information. With all the data breaches we hear about, the thought that someone might be misusing my identity is terrifying.

I understand that there are laws like the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) designed to protect consumers like me. And I trust that these laws are there for a reason. But despite the investigation, it feels like those protections aren't being applied to my situation.

This is why I'm turning to you again, not just for myself, but on behalf of anyone who might find themselves in a similar situation..

I'm not asking for special treatment, just that the rules be applied fairly and justly. If the debt collector has proof, let 's see it. And if there's been a mistake, let 's correct it and move on. It's about integrity and doing what's right.

The reason why I believe the purchase agreement is so important is because I need to know the debt is truly mine, and I dont know. There was a similar invalid debt account taken off my credit report directly prior to Express Collections reporting on my credit report, which is why having purchase agreements is essential. I want this information to be sent here, not through mail due to their willful non compliance, I cant trust them to provide it unless you guys are directly involved.

Need to address this here as sending a whole bunch of certified mail is costing me due to their willful non compliance to address what I am sending. Also if they really want me to pay the debt they allege I owe them, wouldnt it just be easier for them to provide me with the legitamacy of the debt?

So lets get this square away here with third party involved like cfpb, provide me with purchase agreements all the way back to creditor if that relates to this, i mean how would i know if its mine if you guys arent even showing me all the purchase agreements. You guys realize things get off people 's credit reports for being invalid, right? This is the whole point of why purchase agreements are so important.

Express Collection 's will-full non-compliance messes with the integrity of our banking system so if you guys are using deceptive practices its incredibly shameful.

Thank you for taking the time to hear me out. Any guidance, support, or intervention you can provide would mean the world to me at this point. I'm ready to provide any additional details or documents that might help.

Looking forward to a resolution.

Warm regards,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation