Consumer complaint received 2025-05-22 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: MRS BPO, LLC
State: CA

Complaint narrative:
I am submitting this complaint regarding two accounts fraudulently reported on my credit file by XXXX XXXX XXXX XXXX and MRS BPO LLC. These accounts were not authorized by me and are the result of identity theft. I have submitted a formal FTC Identity Theft Report regarding both tradelines. Despite prior attempts to resolve these issues, the companies have either failed to respond or continued reporting inaccurate and unverified data. 

1. MRS BPO LLC XXXX XXXX MRS BPO LLC is reporting a collection account in association with XXXX  for an alleged balance of {$460.00}. I have never opened an account with XXXX  and do not recognize this debt. I am unsure whether this account is for a landline or mobile service, so I selected both when filing my FTC Identity Theft Report. 
A first notice of dispute was mailed to MRS BPO LLC over a month ago. They have failed to respond or provide any verification of the debt. 

MRS BPO LLC is in violation of : FCRA 1681c-2 ( a ) : Failing to block the account after receipt of an identity theft report.

FDCPA 809 ( b ) : Failing to validate the alleged debt.

FCRA 1681e ( b ) : Furnishing inaccurate and unverified information. 

IRS 26 U.S.C. 6050P : If the debt was charged off by XXXX, a 1099-C form was required but never issued. 

XXXX XXXX and XXXX compliance : Improper reporting format and failure to mark the account as disputed. 

2. XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX is reporting a charged-off credit card account that I never opened. I previously disputed this account, but it remains on my credit file. XXXX has never provided any documentation to validate that this account belongs to me. 

XXXX is reporting the account as charged-off and purchased by another lender but continues to furnish updates, despite no longer owning the debt. 

No IRS Form 1099-C was issued as required for canceled debt over {$600.00}.

The account has inconsistencies, including being marked as never late while also charged off which violates data accuracy standards. 

XXXX is in violation of : FCRA 1681s-2 ( b ) : Failing to investigate and correct previously disputed information.

FCRA 1681e ( b ) : Reporting materially conflicting and misleading data.

FCRA 1681c-2 : Continuing to furnish information after receiving notice of identity theft. 

IRS 26 U.S.C. 6050P / 26 CFR 1.6050P-1 : No 1099-C issued for charged-off debt.

FASB ASC 860 & ASC 310 : Improper reporting of charged-off or securitized assets. 

I respectfully request that the Consumer Financial Protection Bureau investigate these matters and compel both furnishers to : Permanently delete the fraudulent accounts from all consumer reporting agencies. 

Cease all collection and reporting activity. 

Provide written verification that the accounts have been removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief