Consumer complaint received 2023-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Universal Recovery Corporation
State: CA

Complaint narrative:
Previously I have filed recent complaints about this collection company : Universal Recovery Corporation. They have been notified through the Federal Bankruptcy Courts, Myself, and my attorney, and most recently they have been notified yet on two More occasions through this complaint portal that I HAVE FILED FOR A BANKRUPTCY OF WHICH THIS COMPANY HAS BEEN NAMED AS ONE OF THE CREDITORS AND THUS THEYCANNOT COLLECT ON ANY DEBT IN WHICH THERE IS AN ACTIVE BANKRUPTCY STAY AND/OR ARE GETTING PAID THROPUGH THE BANKRUPTCY TRUSTEE AS HE SEES FIT TO DO AND IS COMPLETELY UP TO HIS DISCRETION AS TO WHO HE WILL PAY AND HPOW MUCH HE WILL PAY THEM. This is a very simple and known fact throughout the credit and finance world and even in the collection industry world as well. Yet, URC ( Universal Recovery Corporation ) has repeatedly and knowingly done just the opposite of what our Federal Laws allow them to do while I am under the Courts Protection and has ordered an active stay. They have acknowledged through this portal in fact that they are aware of my bankruptcy status yet they continue to violate many Federal Laws regardless of what that law states. They have continued to leave two previously disputed debts on my credit report and they show these debts as being an OPEN account when the law clearly states that they can no longer collect on this debt or leave it in an OPEN status and report that to the credit bureaus., which is exactly what they have done and continue to do. Last week this collection company not only defies our Federal Laws and Consumer laws by continuing to leave the first two collection accounts on my credit in an open status, but they have just recently ( within the last week ) added three more accounts to my credit report adding to the other two that were already on there for a total of 5 collection accounts in which they are trying to collect on and they are doing this with the full knowledge that I am in an active Bankruptcy right now. They are also reporting these three additional collection accounts that have been added within the last week as OPEN AND ACTIVE COLLECTION ACCPOUNTS WITH OWED BALANCES AS WELL.. They have done this knowing about my bankruptcy status and they are blatantly disregarding the court order by doing this. See the attachment for proof. They also have backdated these new collection debts illegally as well and reported false and damaging information about me and had it placed in my credit file with XXXX just within the very last week. They also have lied and reported false and erroneous information about me trying to completely obliterate my credit and my chances of obtaining any type of credit or secure my new place to live as well. In fact, because of their actions, I was denied to rent my new apartment because their reporting of these additional uncollectable accounts has dropped my Credit score by more them 60 points just by what they have reported last week. This company needs to be investigated for their shady and extremely questionable debt collection practices because of what they have done to me alone and by how they have purposely done this just to harm me and to damage my credit in the process. I will say that this is not just going to go away with them. They will pay for what they have done as soon as I report them to the Federal Bankruptcy Courts and I will make sure that I will not rest until they are either shut down or having their business license revoked for doing what they have done to me and with no regard to our Federal Laws or the agencies that govern them. I am fed up with this company and this is a clear retaliation tactic because last year I settled out of court with them because of another debt collection issue and this is their way to get me back and they know it. They need to be investigated and shut down as a result of their many violations to our laws and because of their unethical and immoral business practices.

Company response to consumer: Closed with explanation