Consumer complaint received 2020-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Immediate Credit Recovery
State: TN

Complaint narrative:
I am making a complaint against Immediate Credit Recovery, XXXX  XXXX XXXX and XXXX  XXXX XXXX. Immediate Credit Recovery, XXXX XXXX, and The Department of Educations XXXX XXXX XXXX has stated that I have 3 unpaid student loans that were obtained in XXXX to XXXX to attend the University XXXX XXXX. I never signed for or received Federal Direct Stafford Loans when I attended the University XXXX XXXX. I did attend the University XXXX XXXX in XXXX and XXXX with student loans that I obtained through XXXX XXXX. Throughout the rest of this document I will be referring to XXXX XXXX by their new name XXXX. The Federal government is currently garnishing my paycheck and collecting my tax refunds for some additional student loans I never signed for, received, or agreed to. The legal basis for my claim falls under The Fair Debt Collections Practices Act, 15 U.S.C. 1692e, et seq. Immediate Credit Recovery, XXXX  XXXX XXXX, and The Department of Educations XXXX XXXX XXXX violated FDCPA 809 Validation of debts [ 15 USC 1692g ] ( b ) disputed debts. If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this title may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer 's right to dispute the debt or request the name and address of the original creditor. I disputed this debt on three different occasions by mail on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & I have copies of the proof. I mailed in a request for hearing packet to dispute this debt & requested to be called over the phone for the hearing. I did not receive a phone call for the hearing. I only received letters in the mail from the debt collectors ignoring my dispute & evidence that I supplied for my only loans that I had through XXXX XXXX. When I asked the collection agencies to supply me with the information of the original creditor the customer service representative with Immediate Credit Recovery responded, " I dont know, during multiple phone conversations. These collections agencies then started to garnish my paycheck & tax refunds. The collection agencies have not been able to prove the validity of this debt. The only thing these collection agencies have is data of when I went to college, the year, the school, & the cost of what my tuition was at the time from the NSLDS website. They have not provided any evidence showing that additional money or tuition was disbursed to the college I attended from another loan provider. I however, was able to supply school account records, my student loan servicer Navient records, a copy of the check & debit card payments, that covered all of my tuition cost to the University XXXX XXXX. Also, I provided proof of bank records showing proof that my only student loans through XXXX were already paid in full. The collection agencies are still claiming I owe on a debt that I never signed for or agreed to. I contacted the local police & filed a police report for a copy of a master promissory note that I never signed for or agreed to. The collection agencies have not been able to prove the validity of this debt. The forged document from the collection agencies is for the William D. Ford Program. Exhibit D was to big to attach in my supporting document section. While Immediate Credit Recovery may say that there were phone conversations about this debt in question I never once said, that I agreed to this debt or that I owe on this debt. I asked as many questions as possible & had conversations with the agency about the debt in question. As I needed to make sure that I had as much information as possible to make sure that the next steps that I took were the correct steps in resolving this issue. A phone conversation between me & the collection agency about a fraudulent debt in my name with my social security number no way implies that I agree that this debt is valid or that I even owe on this debt.

Company response to consumer: Closed with explanation