This letter serves in response to the complaint sent to our Agency on February 10, 2015,which has been assigned a complaint ID of [redacted] by the Revdex.comIn hercomplaint, the consumer indicates that she has paid the accounts in question that were listedwith our agency and that Alliance has refused to delete those accounts from her credit bureaureport.As we have indicated to this consumer on the phone, we will not accommodate herrequest to remove the paid accounts from her credit bureau reportAlliance CollectionAgencies, Inchas a responsibility to report all information to the credit bureaus fairly andaccuratelyAlliance adheres to the industry standard of reporting paid collection accounts as“paid in full” with the credit bureausOur position is that it is improper for us to delete orremove a report unless the report was made in error, because by doing so we would not beproviding to the credit bureaus an accurate representation of the consumer’s credit history.We understand that this position is in conflict with this consumer’s desired resolutionto their complaintWe apologize that we are unable to honor her request to remove theseaccountsPlease note however that all accounts have been reported to the credit bureaus as“Paid in Full”, and should reflect as such on this consumer’s credit report.Should this consumer continue to have questions or concerns about their account, theymay contact us at ###-###-#### and speak with an [redacted]
This letter serves in response to the complaint sent to our Agency on March 12, 2015, which has been assigned a complaint ID of [redacted] by the Revdex.comThe complaint from Ms [redacted] was in regard to the garnishment proceedings which was started against her by Attorney [redacted] [redacted] on behalf of the judgment creditors in [redacted] case number [redacted] For the sake of clarity, I would like to point out that [redacted] is an independent attorney’s office, and not an affiliate of Alliance Collection Agencies, Inc While we are sympathetic that Ms [redacted] had health issues that made it difficult to call in to set up payments, our office attempted on numerous occasions to contact her after her last payment in December of to re-establish payments to retire her balance before turning the account over to Mr [redacted] in February to pursue garnishment as a means to collect the balance owed In her complaint, Ms [redacted] states that Attorney [redacted] did not wait the thirty (30) days before starting garnishment proceedings against herI would invite her to go back and re-read the letter that Attorney [redacted] sent dated February 13, I have reviewed the letter that Mr [redacted] sent her, and it does not state that he will hold off on pursing garnishment until after the days had passed, only that she had days to dispute the validity of the debtPlease review the third (3rd) paragraph of his letter which states: “The law does not require me to wait until the end of the thirty (30) day period before initiating the garnishment actionIf, however, you request proof of the debt or the name and address of the original creditor within the thirty (30) day period that begins with your receipt of this letter, the law requires me to suspend my efforts until I mail the requested information to you.” Additionally, in her complaint Ms [redacted] states the Mr [redacted] ’s letter indicated that unless she contacted his office or Alliance within days, that the garnishment proceedings would be initiated Again, the only thing that Mr [redacted] ’ s letter stated was that if she wanted to dispute the debt or the validity of the debt, that she had days to do soNowhere in the letter from Mr [redacted] did it indicate that contacting either Alliance or Mr [redacted] would stop the garnishment processMr [redacted] ’s letter did indicate that if she wished to avoid the garnishment, Ms [redacted] could contact Alliance and pay the balance that is owedFor your reference, I would invite her to read the fourth (4th) paragraph of Mr [redacted] ’s letter, which states: “If you have questions about the garnishment of your earnings, or if you wish to avoid the garnishment by paying the balance you owe, please call Alliance at ###-###-####” At this time, our position remains that it was appropriate to turn Ms [redacted] ’s account over to Attorney [redacted] to secure payments via garnishment, and that Mr [redacted] was within his legal obligations by filing the garnishment before the day validation period expired Should this consumer continue to have questions or concerns about their account, they may contact us at ###-###-#### and speak with an account manager Sincerely, Compliance Department Alliance Collection Agencies, Inc
This letter serves in response to the complaint sent to our Agency on February 10, 2015,which has been assigned a complaint ID of [redacted] by the Revdex.comIn hercomplaint, the consumer indicates that she has paid the accounts in question that were listedwith our agency and that Alliance has refused to delete those accounts from her credit bureaureport.As we have indicated to this consumer on the phone, we will not accommodate herrequest to remove the paid accounts from her credit bureau reportAlliance CollectionAgencies, Inchas a responsibility to report all information to the credit bureaus fairly andaccuratelyAlliance adheres to the industry standard of reporting paid collection accounts as“paid in full” with the credit bureausOur position is that it is improper for us to delete orremove a report unless the report was made in error, because by doing so we would not beproviding to the credit bureaus an accurate representation of the consumer’s credit history.We understand that this position is in conflict with this consumer’s desired resolutionto their complaintWe apologize that we are unable to honor her request to remove theseaccountsPlease note however that all accounts have been reported to the credit bureaus as“Paid in Full”, and should reflect as such on this consumer’s credit report.Should this consumer continue to have questions or concerns about their account, theymay contact us at ###-###-#### and speak with an [redacted]
This letter serves in response to the complaint sent to our Agency on March 12, 2015, which has been assigned a complaint ID of [redacted] by the Revdex.comThe complaint from Ms [redacted] was in regard to the garnishment proceedings which was started against her by Attorney [redacted] [redacted] on behalf of the judgment creditors in [redacted] case number [redacted] For the sake of clarity, I would like to point out that [redacted] is an independent attorney’s office, and not an affiliate of Alliance Collection Agencies, Inc While we are sympathetic that Ms [redacted] had health issues that made it difficult to call in to set up payments, our office attempted on numerous occasions to contact her after her last payment in December of to re-establish payments to retire her balance before turning the account over to Mr [redacted] in February to pursue garnishment as a means to collect the balance owed In her complaint, Ms [redacted] states that Attorney [redacted] did not wait the thirty (30) days before starting garnishment proceedings against herI would invite her to go back and re-read the letter that Attorney [redacted] sent dated February 13, I have reviewed the letter that Mr [redacted] sent her, and it does not state that he will hold off on pursing garnishment until after the days had passed, only that she had days to dispute the validity of the debtPlease review the third (3rd) paragraph of his letter which states: “The law does not require me to wait until the end of the thirty (30) day period before initiating the garnishment actionIf, however, you request proof of the debt or the name and address of the original creditor within the thirty (30) day period that begins with your receipt of this letter, the law requires me to suspend my efforts until I mail the requested information to you.” Additionally, in her complaint Ms [redacted] states the Mr [redacted] ’s letter indicated that unless she contacted his office or Alliance within days, that the garnishment proceedings would be initiated Again, the only thing that Mr [redacted] ’ s letter stated was that if she wanted to dispute the debt or the validity of the debt, that she had days to do soNowhere in the letter from Mr [redacted] did it indicate that contacting either Alliance or Mr [redacted] would stop the garnishment processMr [redacted] ’s letter did indicate that if she wished to avoid the garnishment, Ms [redacted] could contact Alliance and pay the balance that is owedFor your reference, I would invite her to read the fourth (4th) paragraph of Mr [redacted] ’s letter, which states: “If you have questions about the garnishment of your earnings, or if you wish to avoid the garnishment by paying the balance you owe, please call Alliance at ###-###-####” At this time, our position remains that it was appropriate to turn Ms [redacted] ’s account over to Attorney [redacted] to secure payments via garnishment, and that Mr [redacted] was within his legal obligations by filing the garnishment before the day validation period expired Should this consumer continue to have questions or concerns about their account, they may contact us at ###-###-#### and speak with an account manager Sincerely, Compliance Department Alliance Collection Agencies, Inc