Collections Acquisition Company, Inc. Debt Collection Complaint

Collections Acquisition Company, Inc. Debt collection department,

Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid Illinois

A company by the name of - ( a company which, by the way, no longer exists ) has been unlawfully reporting - invalid " collection '' accounts in my name since -/-/-, for the amounts of $210.00 and $210.00. I first discovered these errors and several others when I pulled my own credit report for the first time in many years while looking for a house. I pulled - initially and upon receipt was shocked and highly concerned to find a significant number of invalid, inaccurate, and just blatantly false information. I immediately entered a credit dispute with - for each and every " collection '' account listed due to the fact that : 1. I recognized NONE of the companies reporting said " accounts ''. 2. I HAVE NEVER even sent a payment in late, let alone missed one entirely, and would most certainly not allow a debt to simply go unpaid.


did differ from the others in the fact that, once I was provided the name of the original creditor, I did recognize the situation in question. What they are calling " accounts '' were actually - checks written for textbooks to the campus bookstore at - - - - College, but that had been PAID IN FULL immediately upon notification that the checks had been returned due to NSF ( calculation error on my part when reconciling my checkbook ). I realize 7 years is a long time ago, however, there is no question that the checks were paid promptly and in full. Here 's why : - The one and only time I had to physically go to the Bursar 's office was to remit payment for those checks. All other tuition and fees were paid online as it was an - course. - - - - is not my - -. I took - - class through them to fulfill a - hour - requirement I needed to graduate on time with my - from - University. - As a -, if I had had ANY outstanding balance whatsoever, - - - would not have released my transcripts. Clearly, though, they did release them. Otherwise I would not have graduated as planned, and yet here I am staring at both that - degree and my - from -, as we speak. After realizing how riddled with errors my - report was, I pulled - and - as well. Sure enough, I found many of the same completely invalid " collection accounts '' were being reported to - and - as well. So I entered credit disputes with both - and - just as I had with -. To my shock and disgust, the results of said dispute indicated that these collections would remain on my report. I have since filed re-disputes for these items through - with the same results. I 've also contacted - by phone and explained that these accounts have already been deemed invalid and deleted from their records. Not to mention the fact, that it IS THEIR duty to conduct a reasonable investigation, and I 'm not sure how you can claim to have received a response from a company that no longer exists. They have been entirely unhelpful. I 've also attempted to contact - ( currently know as Payliance ) directly to bring to their attention to the fact that they are not fulfilling their legal obligation to have these accounts deleted from any/all credit bureaus to which they 've been reporting falsely. I noted the dates the accounts were invalidated by -, and receive nothing but a form letter in return. The bottom line is - is not doing their due diligence in investigating this issue and -/Payliance is just blatantly breaking the law by continuing to report information that they 've already conceded as false.