Ian Global Shipping, Inc.

Placer Creditors Bureau received a collection account from our client Sure West Telephone on July 31, for services rendered to Mr *** *** with a disconnect date of May 31, 2013. The principle on the account is $155.83. This account was verified using Mr***
social security number.As required by the FDCPA, Placer Creditors Bureau mailed a collection notice to Mr*** on August 1, Included in the notice was the required validation of the account and the following statement:“Unless you notify this office within days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within days from receiving this notice, this office will: obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. If you request this office in writing within days after receiving this notice, this office will provide you with the name and address of the original creditor if different from the current creditor.”Placer Creditors Bureau received a dispute letter from Mr*** on December 5, 2016. Our office has requested an itemized statement from our client regarding the principle owed.. Please note, the valid period of days for Mr*** to respond has long expired. However, as a courtesy we will still provide the requested itemized statement to him upon receipt from our client Furthermore, a Dispute Universal Data Form was sent to the National Credit Repositories to reflect the account disputed on Mr*** credit file. If the Revdex.com requires any further information, please feel free to contact our office.Sincerely,*** ** ***

I am rejecting this response because: The company states I never responded to any collection effortsThat is because I never received any collection noticeI never disputed the debt, the amount, or the fact that I never had a contractual agreement, signed by me, to pay Placer Creditors BureauI needed service and thus paid this company in full, without issueI only requested that the trade-line not be reported on my credit reports and to please remove it if they had reported it at the timeIt appears they have been reporting it since 2013. It is not incumbent upon me to prove that Placer Creditors Bureau and I have a written agreement for deletion upon full paymentIt is incumbent upon them to prove that they have NEVER removed ANY account, from ANY persons credit file upon request, which would go against their said "policy."I have filed a complaint with the Consumer Financial Protection Bureau which will be received by this company within the next few days(see attached)

Placer Creditors Bureau received a collection account from our client Sure West Telephone on July 31, for services rendered to Mr *** *** with a disconnect date of May 31, 2013. The principle on the account is $155.83. This account was verified using Mr*** social security number.As required by the FDCPA, Placer Creditors Bureau mailed a collection notice to Mr*** on August 1, Included in the notice was the required validation of the account and the following statement:“Unless you notify this office within days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within days from receiving this notice, this office will: obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. If you request this office in writing within days after receiving this notice, this office will provide you with the name and address of the original creditor if different from the current creditor.”Placer Creditors Bureau received a dispute letter from Mr*** on December 5, 2016. Our office has requested an itemized statement from our client regarding the principle owed.. Please note, the valid period of days for Mr*** to respond has long expired. However, as a courtesy we will still provide the requested itemized statement to him upon receipt from our client Furthermore, a Dispute Universal Data Form was sent to the National Credit Repositories to reflect the account disputed on Mr*** credit file. If the Revdex.com requires any further information, please feel free to contact our office.Sincerely,*** ** ***

Per your inquiry of 7/22/2016, your dispute letter to us as indicated was from *** ***. For us to comply with privacy act and HIPAA requirements, we would need written authorization from Brian Deleon to discuss regarding this account indicated. Please advise *** *** to
forward to our office as required. At that time, we would gladly respond to the complaint on file. Sincerely,*** ***President

Consumer states that he no longer wishes to pursue the matter. Consumer  has gone ahead and dealt with the situation without the business assistance.

Thank you for your inquiry dated January 16, 2018 regarding complaint ID #[redacted].  This letter is in response to the complaint forwarded to Placer Creditors Bureau from the Revdex.com.  While we are unable to respond to the specific nature of the aforementioned account and...

other existing accounts because of HIPPA law requirements, I will respond to certain accusations made in the complaint.   On 1/28/16, Ms. [redacted] requested an itemized statement regarding account #[redacted].  The itemized statement verifying the account was sent to her 2/18/16, after we received the copy from the original creditor.  A follow up call was made to her 4/7/16, where she became verbally abusive to the collection representative and she was advised if she did not agree with the insurance company payment she was advised to take that up directly with her insurance company.  Because of the nature of the verbal conversation the collector terminated the call.  Ms. [redacted] then spoke with the manager, and again, was advised to contact her insurance company.  The insurance company had been billed and paid but a balance remained on that bill.   On 1/13/18 Ms. [redacted] called PCB and complained her insurance was never billed.  She was advised her insurance was indeed billed, but did not pay the balance in full.  On 1/5/18, I took a call from Ms. [redacted] in which she was yelling and using foul language and demanded that we send her statements we had already sent to her.  I terminated the phone call due to inappropriate language by Ms. [redacted] and advised her not to call back using inappropriate language.   As far as her request for desired settlement request that “all her accounts be transferred to a different” collection agency, it is not the policy of Placer Creditors to do so.   I hope this clarifies your inquiry.  If any additional information is desired, please contact me.   Sincerely,   [redacted] President

Ms. [redacted] account for [redacted] was assigned to Placer Creditor’s Bureau on 8/15/13.  There was no response by Ms. [redacted] to any collection activity.  On 2/25/16 Ms. [redacted] paid the account and it was reported to her credit file as a $0 balance.  There was no...

documentation that the account would be removed from her credit file as it is not the policy of Placer Creditor’s Bureau nor the major Credit Reporting Agencies to remove a collection account once it is paid. Unless Ms. [redacted] has documentation proving that she was advised differently than our policy, the status of the account remains on her credit file.

Business states that they have contacted the consumer directly to address their concerns and consider the matter resolved.

Revdex.com:
I have reviewed the response made by the business in reference to my concern, and find that this resolution is satisfactory to me.