Accudata Credit Systems

This is in response to Mr [redacted] ' complaint filed with the Revdex.com, Saint Louis office, ID#: [redacted] This letter has been faxed and mailed to the above number and address.Accudata Collection Services is a third party debt collection agency, which represents our client's accounts based on a contract agreement Mr [redacted] ' account was listed at our agency by our client, [redacted] LLC, on 07/06/ Our office maintains a copy of his signed personal guarantee (co-signer agreement), the original lease agreement (signed by Mr [redacted] , who is listed as joint on this account), an itemized statement of the charges due, and photos of the unit's condition at move out Charges due are enforced by the lease agreement and signed personal guarantee.Accudata Collection Services actively reports to the National Consumer Reporting Agencies: Equifax, Trans Union, & Experian, after an initial thirty day grace period, which is noted with our first letter Those letters were mailed on 07/06/to the above address for Mr [redacted] and to the last known mailing address fro Mr [redacted] (the rental address) Our office received a call from Mr [redacted] on 07/12/2016, who verbally disputed the charges We informed him to send his dispute to our office in writing When he had not received any further correspondence from Mr [redacted] , our office followed up with him by phone on 09/24/ On 10/18/2016, Mr [redacted] contacted our office and was also informed to send his dispute in writing to our office That dispute was received on 10/21/2016, and we replied by mail on 11/14/ Our letter repolied to his dispute and provided him with the itemized statement and supporting photos We received a validation of debt request from his attorney on 12/02/2016, and have replied by mail and fax on 12/05/ We provided the itemized statement, supporting photos, lease, and signed personal guarantee Mr [redacted] ' account has been notated as "in dispute by customer" and reported as such to the National Consumer Reporting Agencies, as required by the FCRA and FDCPA.We have complied fully with the FDCPA and FCRA concerning the handling of Mr [redacted] ' account We would like to find a resolution to this matter and would appreciate any recommendations you find would resolve Mr [redacted] ' complaint and bring closure to this investigation

Complaint: [redacted]
I am rejecting this response because Accudata’s response is a highly generalized summary of the correspondence with little effort to actually respond to my specific complaints.  1. Accudata ignores that my letter of April 24, 2017 requested “verification of the...

alleged debt” and Accudata’s response of May 15, 2017 failed to verify the debt with respect to the access card – it simply highlighted the word access card and $35.  Accudata also ignores that my letter of May 17, 2017 requested “verification of each of the highlighted charges.”  Accudata’s letter of June 8, 2017 did not provide verification that the access card was not returned!  Accudata’s letter of June 8, 2017 also did not provide adequate verification for the purportedly missing shower rod.  Accudata ignores that despite my dispute with that charge, I nevertheless sent in payment for it.  2. Accudata has not disputed that I did not receive the correspondence or the returned check that it allegedly sent in July of 2017.  Accudata continues to assume that I received the correspondence and check and refuses to investigate the issue further.  I’m willing to provide a sworn statement on the issue yet Accudata glosses over my statements about the lack of notice of Accudata's third attempt to verify the access card.  Why didn’t Accudata verify the information in its first two responses after I specifically requested verification of all charges?3. Accudata’s statement that it wants to find a resolution to this matter appears to be pure boilerplate with no intent to engage any such efforts.  As I explained in the initial complaint, I sent a check to Accudata for all of the purportedly verified charges totaling $67.08 and noted that Accudata did not attempt to verify the $35.00 charge related to the access card.  I did not hear back or receive anything further from Accudata for some six months.  Within 30 days of receiving Accudata’s untimely and insufficient verification of the access card some six months later, I offered to pay the entire $102.08 on the condition that Accudata remove the inaccurate reporting of this incident based on the fact that I did not receive Accudata’s purported letter from July of 2017.  Accudata flatly refused the offer on the erroneous assumption that I received its third attempt to verify the access card.  If Accudata is truly serious about resolving this charge, it would actually READ WHAT I AM SAYING and draw up an agreement/letter that in exchange for full payment by me, it will resolve my concerns about my credit report based on my lack of notice of its July 2017 letter.  Accudata cannot blindly ignore customer’s statements about failure to receive its letter – the delay of some six months in receiving a copy of Accudata’s purported correspondence materially impacted my ability to timely pay this debt.  Accudata apparently refuses to reach agreement in this matter (despite my offer to pay in full) because it is not worth the expense for a matter involving $102.08.  Despite Accudata’s claim that the matter has been reported as disputed, it has significantly damaged my credit rating and this matter is becoming worth much more than $102.08 to me.  4. Original complaint noted “Accudata’s purported verification is insufficient to show that the tenant ever received the card or that [redacted] ever requested the card when the tenant turned in the remaining items.”  Accudata provided no response on this issue.   5. Original complaint requested “explanation why certain charges such as the de minimis trash in the apartment ($31.25 for less than one bag of trash in the unit for what appears to be 3 cereal boxes, a dishwasher detergent bottle and a few plastic bags) would not be covered by the $750.00 non-refundable ‘redecoration expense’ charged to the tenants when they moved in.”  Accudata provided no response on this issue. 
Sincerely,
[redacted]

This is in response to Mr. [redacted]' complaint filed with the Revdex.com, Saint Louis office, ID#: [redacted].  This letter has been faxed and mailed to the above number and address.Accudata Collection Services is a third party debt collection agency, which represents our...

client's accounts based on a contract agreement Mr. [redacted]' account was listed at our agency by our client, [redacted] LLC, on 07/06/2016.  Our office maintains a copy of his signed personal guarantee (co-signer agreement), the original lease agreement (signed by Mr. [redacted], who is listed as joint on this account), an itemized statement of the charges due, and photos of the unit's condition at move out.  Charges due are enforced by the lease agreement and signed personal guarantee.Accudata Collection Services actively reports to the National Consumer Reporting Agencies:  Equifax, Trans Union, & Experian, after an initial thirty day grace period, which is noted with our first letter.  Those letters were mailed on 07/06/2016 to the above address for Mr. [redacted] and to the last known mailing address fro Mr. [redacted] (the rental address).  Our office received a call from Mr. [redacted] on 07/12/2016, who verbally disputed the charges.  We informed him to send his dispute to our office in writing.  When he had not received any further correspondence from Mr. [redacted], our office followed up with him by phone on 09/24/2016.  On 10/18/2016, Mr. [redacted] contacted our office and was also informed to send his dispute in writing to our office.  That dispute was received on 10/21/2016, and we replied by mail on 11/14/2016.  Our letter repolied to his dispute and provided him with the itemized statement and supporting photos.  We received a validation of debt request from his attorney on 12/02/2016, and have replied by mail and fax on 12/05/2016.  We provided the itemized statement, supporting photos, lease, and signed personal guarantee.  Mr. [redacted]' account has been notated as "in dispute by customer" and reported as such to the National Consumer Reporting Agencies, as required by the FCRA and FDCPA.We have complied fully with the FDCPA and FCRA concerning the handling of Mr. [redacted]' account.  We would like to find a resolution to this matter and would appreciate any recommendations you find would resolve Mr. [redacted]' complaint and bring closure to this investigation.