Alliance Collection Agencies, Inc.

Review: During my first initial contact with Alliance Collection agency I spoke with a representative [redacted] on 1/27/2014 and had agreed upon a payment arrangement at that time. This representative failed to inform me that by me agreeing to that arrangement that it would negatively affect my credit and would be reported on my credit report on 2/11/14. I spoke with [redacted] briefly this morning regarding the false and misleading information I received during out initial conversation and my direct representative stated that because "didn't pay on the account in January that she couldn't stop it from being reported.". I then, requested that upon satisfaction of the debt that they would update my credit report showing this account is not in a collections stand point, I think spoke with [redacted]'s supervisor [redacted] and she stated that they would not be removing the negative remark on my credit report despite the fact this was not properly explained to me, I even requested a "pay and delete" statement from Ms. [redacted] and she refused to provide any documentation.Desired Settlement: Based on the fact that my initial representative did not fully explain to me that the arrangement that I made with Alliance Collections agency would negatively effect my credit because I "didn't pay in January" that this should have never have been reported on my credit report as an account that is in collections. I believe if they would have fully and effectively communicated the terms of the arrangement this would not have negatively effected my credit and am requesting that upon my final payment that they remove the negative trade line to repair their mistake.

Business

Response:

RE: Complaint #[redacted]

Dear Mr. [redacted],

This letter serves as the response of Alliance Collection Agencies, Inc. to complaint [redacted] which was

submitted to your office on 3/3/2014.

Alliance Collection Agencies, Inc. takes its responsibility as a data furnisher seriously. We are under a legal

obligation under the Fair Credit Reporting Act’s “Furnisher’s Rule” to report information to the credit

bureaus that is accurate and complete. Our position is that we have done so in this case. This consumer’s

report was eligible for reporting to the bureaus because the balance was not paid by the reporting date and

this took place in early February, before any payments were received on this account.

In addition to our responsibility under the Furnisher Rule to provide information that is accurate and

complete, the credit reporting agencies (i.e., TransUnion, Equifax, Experian) have policies in place that we

are expected to adhere to as a data furnisher. Those policies generally do not permit a data furnisher to

remove accurate information, as the removal of accurate information would result in an inaccurate credit

history of a consumer.

While the account was eligible to be reported based on the reporting requirements and was properly reported

by our system because it was a delinquent account with a balance, I can appreciate the consumer’s position

that they made contact with our agency and set up payments before the account was reported, so based on

that, I have made the request to have the entry for that account removed. Please note that it may take up to

sixty (60) days for the credit bureaus to update their records and for the removal to reflect on the consumer’s

credit report.

Very truly yours,

Review: I am working with a Debt Solution Provider and there is a payment plan offer for all my medical bills. There is also ongoing payments for all my medical bills. Alliance Collection Agency reuins your credit rating with credit reporting practices that are questionable. Regular payments on a 60 day balance is reported as serriously past due.Desired Settlement: Removal of all negative comments by Aliance Collection Agency from my credit reports and never report them while being paid.

Business

Response:

This letter responds to the complaint ID #[redacted] which was sent to us via email on

July 8, 2013. In their complaint, the consumer makes reference to working with a debt solution

provider to resolve their current bills. The consumer does not make reference to which bills

specifically they are referring to, so we would be unable to address his concerns with respect

to any individual account.

What we can advise is that the reporting of information to the credit bureaus for any

consumer is an activity that is highly regulated by the Fair Credit Reporting Act and other

regulations including the Metro 2 Reporting requirements that are required by the three credit

reporting agencies. Alliance Collection Agencies, Inc. reports all activities on accounts

accurately as required by law. The consumer makes reference to accounts labeled as past due

when payments are being made. There may very well be payments being made, but that does

not change the status of the account as being past due.

Sincerely,

Alliance Collection Agencies, Inc.

Consumer

Response: