ATG Credit, LLC

Initial Business Response /* (1000, 5, 2015/09/02) */
There are several accounts that have had payments set up on them for the consumer. This current account she is referring to is for [redacted] and has a remaining balance of 1399.28. We will remove her payment information on these...

accounts, however these payments were authorized.
If the consumer would like to re-establish payment arrangements she will need to contact us at [redacted]
Just to reiterate there is a balance remaining of 1399.28 but we are removing her payment information so if she wants to re-establish arrangements she will need to contact us.
Initial Consumer Rebuttal /* (3000, 7, 2015/09/03) */
(The consumer indicated he/she DID NOT accept the response from the business.)
They always issued me monthly statements reflecting payments with balances and the same account number. The last statement was for the amount of less than $60. Now they are stating I have an outstanding balance of almost $1400.00 yet the refuse to provide me with any detail statements showing what this "new" balance and supposed "new" act. I gave authorization for withdrawals on the old acts. Never was I informed of this new one yet its coincidental it arise as I just paid of the debt. I do not authorized no withdrawal from ATG in any future accounts
Final Business Response /* (4000, 9, 2015/09/04) */
We do in fact have authorization on file for the previous payments.
We are happy to provide details as well but due to the HIPAA and privacy requirements we would need a patient authorization form signed. We would suggest the consumer contact our offices directly as there seems to be some confusion as to these charges. We are happy to assist our number is XXX-XXX-XXXX and she may ask to speak to a manager

This is the first communication we have received from the consumer. We have placed the account in a dispute status and will request the Ledger and the enrollment agreement by mailed to the consumer for their review.

Unfortunately we cannot guarantee we make phone contact with every consumer.However we did send two letters to the consumer. In addition the original provider sent notices to the consumer advising of the outstanding balance. We cannot simply remove from credit due to her claim she never received the...

two letters. This would be a violation of the FCRA. We have to follow the policies and procedures of the FCRA when reporting to the CRA's

When an account is paid after going to collections it will reflect as Paid in Full on the credit report. In this case as a courtesy we will remove the...

tradeline. This is an exception but due to the small balance we are willing to do this.  The request will be made today but the update may take approximately 30 days to reflect on the credit report. We do not control this as we are transmitting the removal today.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
It is satisfactory, even though the business claims to be doing it as a "courtesy", when it should have been done anyway because it was not my fault it was sent to collections. They can easily verify that with the company that sent me to them.
Sincerely,
[redacted]

This account has already been closed. It was closed on 6/10/2016 and returned to the client. At the same time we requested removal from the consumers credit report. The AUD Control number is [redacted] This number is confirmation that we requested deletion. We no longer hold the account and...

have completely removed from credit.

(The consumer indicated he/she DID NOT accept the response from the business.)
I do not owe this company a penny and will pay for a service I cancelled and will talk with a legal counselor if this is settle till I am satisfied.

We have made the same response several times. We cannot delete this account as it is valid. We can reflect as paid in full once it is paid in full. However due to the fact that this is a valid debt we cannot accept payment to simply delete.

We are required to comply with all regulations in conducting our business. The FCRA specifically prohibits the removal of valid trade information due to payment.

Initial Business Response /* (1000, 5, 2014/03/12) */
This is an account for [redacted] music service. This is for CD's that were ordered in 2006. The artists for the order were [redacted] and [redacted]. There were payments made but this is the remaining balance.
The address we had on file was...

[redacted] Court Apt 2 [redacted].
We will re-issue notification today to the address provided in the complaint. If there are any other questions the complainant may call our offices at [redacted]
Initial Consumer Rebuttal /* (3000, 7, 2014/03/12) */
(The consumer indicated he/she DID NOT accept the response from the business.)
You posted an account on my credit profile from the year 2006, that's well over 7 years ago and you just posted it a month ago and the account that I did have with [redacted] is with another creditor for a different amount, so that's not accurate. You guys didn't send me any documentation on this and just posted it on my credit report. Your response to my complaint is you brought two CD's 8 years ago so pay me? The length of time a negative mark can stay on your credit report starts from the time you were late or the late payment went into collection, not from the last time you made a payment on the account. What you're doing is illegal and I will continue in my efforts to dispute this charge.
Final Business Response /* (4000, 17, 2014/03/18) */
We should be the only agency that is reporting this debt on your credit. You are correct that this is scheduled to be out of statute in June. However since there appears to be little chance of payment we are simply going to close this account and remove from credit. We take no position on validity but due to the age and balance size we are returning this account to our client.
Final Consumer Response /* (4200, 11, 2014/03/14) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I will give a copy of this dialog to the credit bureau on 06/06/2014 if it still remains on my credit report to have it removed.

The information provided by the consumer is not adequate in order for us to access his account. We need a SSN or Account number in order to adequately identify the account. However based on the complaint and request we would not be able to simply return the account to the original creditor and...

remove from credit. The information provided by the consumer indicates this claim dates back to 2011 and therefore we would not be able to process his request.

The complainant has spoken to us about this debt. So we assumed she was aware of the creditor. In this case the creditor is [redacted]. Due to our prior calls we have confirmed the balance with the original creditor. They have re-affirmed the debt as being valid.
 
The complainant can contact us again if she would like at 800-969-4523
 
 
Thank you

We have reviewed the account and the recorded calls conducted with the complainant. At no time did anyone tell the complainant this would be removed if she paid it. That is a violation of the FCRA. The account has been updated and now reflects a zero balance.  We cannot simply remove from...

credit as this is a valid debt. To reiterate it has been updated to reflect its paid in full status.