Collections Acquisition Company, Inc. Debt Collection Complaint

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

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.

Collections Acquisition Company, Inc. customer in Illinois
May 14, 2016

* Source: CFPB Complaint Database

Collections Acquisition Company, Inc. response to complaint:
Closed with explanation

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