ATG Credit, LLC

The information provided by the consumer is not adequate in order for us to access his accountWe need a SSN or Account number in order to adequately identify the accountHowever based on the complaint and request we would not be able to simply return the account to the original creditor and remove from creditThe information provided by the consumer indicates this claim dates back to and therefore we would not be able to process his request.?

We have reviewed the notes and recordings on this accountWe have never spoken to the consumer nor have we received any documentation claiming "Identity Theft" If the consumer has such documents he can submit them to us via Mail at ATG Credit [redacted] or he may email them to [redacted] He can also use the online portal at WWW.ATGCredit.com to submit thisWe also accept faxes at [redacted] Please bear in mind this is a medical account not a loan so that it would be exceedingly difficult for this to fall under the purview of identity theftHowever that being the case, we will reach out to our client and request the validating documentation and submit these to the consumer at the address listed in the complaint

Complaint: I am rejecting this response because it can be removed so I wanted it removed Sincerely, Duane [redacted]

Complaint: [redacted] I am rejecting this response because:ATG Credit LLC - SEND ME A COPY OF THE BILL I OWE! I owe nothing on my [redacted] Auto account [redacted] amount due $ you list this account number as [redacted] Bank NA -- please note [redacted] bank NA was [redacted] Auto bill collector for all their customersMy account with [redacted] Auto/ [redacted] Bank NA is current and paid in full Pleaseonce again send me a bill listing date and amount due Sincerely, [redacted] **

The documents have been mailedWe are re-mailing them certified to the address on this complaint

We have reviewed the accountLetters have been issued on this account and emails did in fact go outWe cannot guarantee delivery of mail or emails but they were sentIf the consumer would like to make monthly payments she is welcome to do soShe does not need to do them via phoneShe can pay online or mail them to our offices as wellThe address of the website is WWW.ATGCredit.com and the address for mail is [redacted] ***We would ask that she advise us of the amount and dates that the payments will be madeWe do have arrangements currently in place but would like to verify theseThis will allow us to re-set her arrangements and letters to be issued to herBear in mind if a letter isnt received that does not mean it was not mailedWe do mail arrangement letters automatically through our system so there is no space for human errorWe do not accept in-person meetings so any communication can be made via email to [email protected] or thru the websiteWe are sorry that the consumer felt we were rudeWe do strive to be as service oriented as possible despite the difficulties that we face in our industryIf the consumer has any further questions we would ask her to contact us via email or mailWe have placed a no contact status on the account so that she no longer will receive phone calls from us

Complaint: [redacted] I am rejecting this response because: I reject this ATG Credit Collection’s response – which is and inaccurate I currently maintain an active no money balance due account with [redacted] Parts as of I have paid bill receipts for my account – here is just a few – I have many monthly paid receipts from [redacted] Auto Parts: 10/1/at $paid in full 11/20/at $ paid in full 6/20/at $ paid in full 7/23/ at paid in full /20/at paid in full I have more paid receipts to [redacted] Auto Parts right up to present date if you need dates – canceled check copies – to back up the truth I say I do not care is ATG Credit collections twist or spins their inaccurate negative credit report – my bill at [redacted] Auto Parts is paid I have given ATG Credit collection the cancel check – this company refuses to correct their inaccurate information This $ bill Recent balance as of 04/01/– is the original bill that was paid on 9/8/ Again, ATG Credit Collection continues to correct their inaccurate information – their response is interesting – I will save it for future follow thoughIf ATG Credit Collections has an unpaid bill from [redacted] Auto – please produce it as my [redacted] Auto Parts bill is paid! I will continue to work with all agency’s avaiable to me so I can to dispute this scam of a collection agency I am pursuing this dispute until my name is cleared from this negative credit scamming company Sincerely, [redacted]

This complaint was already addressed through the CFPB portalThe account is closed and any inquiries can be made directly to the client

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 meIt 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 collectionsThey can easily verify that with the company that sent me to them Sincerely, [redacted] ***

Complaint: [redacted] I am rejecting this response because: I would like to see exactly how the envelopes were addressed as I never received the letters regarding the outstanding balance Sincerely, [redacted]

The dispute was submitted via the [redacted] program through the credit reporting agenciesWe responded that the charge was valid therefore it is still reportingDue to this new complaint we will now send a copy of the Enrollment Agreement and the Itemization of the charges for the consumerThese will be mailed to [redacted] Durango Court Fayetteville, NC [redacted] if the consumer has any other questions we are happy to attempt to assist

The arrangements made on this account were set up by the consumer in 11/Each month payments were debitedBear in mind the arrangements were made on a recorded line and we have confirmed the validity of these arrangementsIn addition to the call where the consumer set up the payments we issued notices monthly to remind of the deductionThese payments are for a defaulted medical debt.?

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this first step toward resolution is satisfactory to meRequest Business to provide proof of assignment from [redacted] by law they must do so Sincerely, [redacted]

The complainant has spoken to us about this debtSo we assumed she was aware of the creditorIn this case the creditor is [redacted] Due to our prior calls we have confirmed the balance with the original creditorThey 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 accountWe have a different number on file then the number provided in the complaintDespite the different number we were able to find the account in questionWe have made a total of phone call to this individualThe phone call was placed at 11:46am CDTWe have never called any other time> The number provided in the complaint never was in our system and was never called by usIts possible the complainant is mistaking us for a different company? Again never called the number provided and only called the account one time and it was at 11:46AM.? ? Please advise if there are further questions.?

This is the first communication we have received from the consumerWe 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

When an account is paid after going to collections it will reflect as Paid in Full on the credit reportIn this case as a courtesy we will remove the tradelineThis 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 days to reflect on the credit reportWe do not control this as we are transmitting the removal today

Initial Business Response / [redacted] (1000, 5, 2014/07/16) */ The account is on hold pending our furnishing of the documents from the school validating the debt in question The charges do appear to be valid based on our research however the consumer will have an opportunity to discuss after receiving the documentation from the school Since the consumer has requested no calls we cannot follow up or call her so she will need to call us to discuss after she has had an opportunity to review the paper work She can call our offices at XXX-XXX-XXXX and ask to speak to a manager

Initial Business Response / [redacted] (1000, 8, 2015/02/24) */ We have reviewed the call and the notes on the account This account was placed in a dispute status at the time of the call/ In fact the account has been returned to our client We are sorry the consumer felt that the representative was not helpful, however as stated above the account has been closed and no further calls will take place on this account

Typically we do not send out recorded calls to protect the privacy rights of our employeesIn this case we were able to secure permission from the representative to send this recordingAs you will hear in the recording the representative made it clear that we update the credit report with the new status of paid in fullShe specifically stated that the account will not be removed as we cannot do thisIf there is a valid dispute that is handled by the credit reporting agenciesWe will reiterate that we cannot simply delete due to payment on a valid account. Hopefully this recording will resolve any question about what the representative said