CDI Affiliated Services, Inc.

Complaint: ***I am rejecting this response because: It is very evident by the verbage in the letter that they are attempting to collect the debtI will give them days to remove the account from my credit reportsIf they choose not to remove the accounts, I will file the lawsuit. I have already been succssful with other collection bureaus for the same violationsIn those lawsuits, I was awarded legal fees as well as a small amount of compensationI do hope that this can be avoided.Sincerely,*** ***

Re: Response to Complaint# ***
Dear Sir/Madame,
I am in receipt and reviewed the above mentioned complaintPlease accept this as ourresponse
First, let me inform you that I cannot reveal any personal information with regards to anyaccount that we may or may not haveThis includes but is
not limited to the fact that theconsumer may or may not have an account that was listed with our companyByacknowledging or not acknowledging the existence of an account, it could be deemed aviolation of the Fair Debt Collection Practices Act
With that said, our clients do not report our account data to the credit bureaus, we reportour data under our company nameBefore reporting account data, at minimum, weprovide a grace period of days to the consumer in order to resolve the account witheither our client or our companyUnresolved account information is typically reported tothe credit bureaus accordinglyOur clients understand our credit report policy whichsimply states that we do not leverage factual, valid, properly reported data that we sent orwill send to the credit bureaus for a payment of any kindBy doing as the consumersuggests, our ability to report factual, valid and properly reported data could be put injeopardyFinally, the Fair Credit Reporting Act allows a consumer to add a statement totheir credit profile allowing them to address or explain any issue that the consumer mayhave with regards to factual, valid and properly reported dataIf this is the issue, I wouldsuggest that she add a statement to her credit profileFor more information about that,she should contact the credit bureaus
As far as getting in touch with us, both our physical and mailing address as well as ourgeneral telephone number haven't changed years or soThey also display on consumercopies of their credit report that a consumer receives from the credit reporting repositories.Our contact information is available on the web through a number of sources
Additionally, our contact information is available at our website, www.cdicollect.com.have no explanation for the contact issues that the consumer may have
I believe that this response addresses all of the issues included within the complaint.Please feel free to forward any further questions or concerns to me
Respectfully,
Howard * B***PresidentCDI Affiliated Services, Inc

Please be advised, there is no written authorization provided with the complaint. As a result, we cannot confirm or deny that such an account exists. If this accounts exists, we cannot release any information without a signed authorization form.However, I can respond to our policies as
they pertain to removal of data from consumers' credit reports. We report our data to Experian and Equifax. We do not report our data to *** ***. We do not leverage information reported to the credit bureaus in order to secure or receive a payment on an account. Each credit bureau has their own policies and procedures regarding the data that they display. Occasionally, an account will not display on one or both of the bureaus' files

Please be advised, there is no signed authorization accompanying the complaint. As a result, we cannot confirm that this complainant has or has no account with our company. This response refers to the complaint in general terms
Dear Sir/Madame,I am in receipt of the above
listed complaintPlease accept this as our response.Please note, there is not a signed authorization with this complaintWith the absence of a signedauthorization, I cannot acknowledge whether or not an account actually existsAs a result, our reply willbe general in nature.There are limitations to fees that any collection agency can attempt to collectHowever, Idaho Codeallows any company, including collection agencies to charge interest on accountsPlease refer to Title28, Chapter of the Idaho Code as it pertains to interestPaying the principal amount on an accountdoes not eliminate accrued interest.With regards to reporting accounts to the credit bureaus, if an account has a balance due, the accountwill be reflected on the credit bureau reports as an open collection accountShould the consumerdispute the account, either thru the credit bureau or our office, we will flag the account as disputed, butthe account will continue to displayIf the account was listed and subsequently paid in full, the accountwould be updated to reflect a paid collection account and will continue to display on the his credit reportfor up to years as referenced in the Fair Credit Reporting Act.Finally, it should be noted that our company reports our accounts to Experian and EquifaxWe do notreport any data whatsoever to Trans Union.I believe I addressed the issues as listed in the consumer's complaintPlease feel free to send anyquestions or concerns to my attention

Dear Sir/Madame,I am in receipt of the above listed complaintPlease accept this as our response.Please note, there is not a signed authorization with the complaintWith the absence of a signedauthorization, I cannot acknowledge whether or not an account actually existsAs a result, ourreply will
be general in nature.As our company has stated to the Revdex.com in the past, we report our collection accounts only toEquifax and ExperianWe do not report our data to Trans Union.There are a couple of issues raised by the consumerAs far as validation of the debt is concerned,the consumer's right to receive validation, under the Fair Debt Collection Practices Act (FDCPA) iswithin the first days in writing after the consumer was notified of the accountThus, theconsumer's request for validation of the debt has expired, given the timeline listed in hercomplaintHer validation request could be considered irrelevant at this pointHowever, it shouldbe noted, that even though this is the procedure as provided by the stature, we make the effort toforward the consumer supporting information regarding an account even in the event that thedispute is verbal and/or is made after this timeframe expiresThe other demands are irrelevantwith respect the the FDCPA.The consumer's main focus is on the data reported to the credit bureaus, even after the account isconsidered time-barredIt may be determined that initially reporting past due account data to thecredit bureaus after the statute of limitations expire could be viewed as a violation of the Fair DebtCollection Practices ActThe dispute focuses on fact that the accounts remain on the credit fileafter the statute of limitations expireThe Fair Credit Reporting Act allows past due account, orpaid past due data, whether time-barred or not, to remain on the credit file for no longer than 7yearsThis data remains reportable under those guidelines, regardless if the account is acollection account at a collection agency, a charged off account at a bank or a retailer, arepossession with an auto finance company, and so onIt should also be noted that CDI does notactively pursue time-barred debt.With all this in mind, in the event that we have an account with a timeline as described by theconsumer, then CDI will remove the account based on the account's credit reportable timeremainingIf there is an account and it is removed from the consumer's credit profile, once wesend the removal request, the procedure and timeframe required to remove the data is out of ourhandsThe amount of time required to complete the removal process may vary by each creditreporting agency.I believe I addressed the issues as listed in the consumer's complaintPlease feel free to send anyquestions or concerns to my attention.Howard *B***CDI Affiliated Services, Inc

[redacted]DOCUMENT ATTACHED[redacted]
I am in receipt of the above listed complaint. Please accept this as our response.First Let me emphasize the fact that we do not show that we received this complaint until May 31, 2016.Also, nothing in this response, written or implied, should be deemed as Legal advice. We are not attorneys and do not provide Legal advise.After reading the consumer 's complaint, it appears that he has a single issue regarding the account, our ability to report his account information with the credit bureaus. This is the subject that I will address.Please note, contrary to the consumer's allegations, we report our col ection accounts only to Equifax and Experian. We do not report our data to Trans Union.The consumer's dispute focuses on the data reported to the credit bureaus, even after the account is considered time-barred.  It may be determined that initially reporting past due account data to the credit bureaus after the statute of limitations expire could be viewed as a violation of the Fair Debt Collection  Practices Act.   However, there is no dispute that CDI Affiliated Services, I nc. reported the data well within the statatory guidelines.  Validation of this is evidenced by the date we received the first dispute of the data from the credit bureaus. The dispute focuses on fact that the accounts remain on the credit file after the statute of Limitations expire. The Fair Credit Reporting Act allows past due account, or paid past due data, whether time-barred or not, to remain on the credit file for no Longer than 7 years. This data remains reportable under those guidelines.In the Letter that he pasted to his complaint, he adds that our verbiage indicates that we are pursuing time-barred debt. CDI is not actively pursuing the accounts. The verbiage contained in our correspondence to the consumer is statuatory verbiage required on all written communication to the consumer. As you are probably aware, the Fair Credit Reporting Act allows consumers to fi e a statement w ith the credit reporting agencies Listing his dispute with particular accounts. Should the consumer wish to do so, I would advise him to contact the credit bureaus for more information.I believe that I've addressed the consumer's complaint. Should you have any questions or concerns, please feel free to direct them to me.Howard *. B[redacted]CDI Affiliated Services, Inc.

I sent the release forms to Nicole on October 20th but this form still is asking for me to send them.  Nicole advised me that she had received the forms, were they processed?  Has the business received and/or responded to the complaint?

Please be advised... I am in receipt of the complaint dated August 7, 2017.  I have reviewed the complaint.  Please consider this as our response.The consumer has not provided sufficient information to identify the account(s), if any, that we may have.  If the consumer would...

provide us with account number(s), previous names, addresses, date of birth, social security number and the name of our client we could locate the account(s) in question.Also, please keep in mind that the information that we have is protected under state and federal law.  In order for us to respond to anyone other than the consumer, we will require the consumer's written permission to disclose anything to the Revdex.com.Please feel free to direct any questions to me.Respectfully,Howard B[redacted]

There is no complaint attached. The only attachment is a the authorization form.

May 27, 2016Revdex.comPO Box 1000DuPont, WA 98327Re: Response to Complaint #[redacted]Dear Sir/ Madame,Asset Recovery Solutions that PAYI am in receipt of the above mentioned complaint. Please accept this as our response.First, let me inform you that I cannot reveal any personal...

information with regards to anyaccount that we may or may not have. This includes but is not Limited to the fact that theconsumer may or may not have an account that was Listed with our company. Byacknowledging or not acknowledging the existence of an account, it could be deemed aviolation of the Fair Debt Collection Practices Act.With that said, the complaint appears to address two issues; one regarding the issue ofleveraging factual, valid and properly reported data that is reporting on a consumer'scredit report for a payment of any kind; and that the consumer sent a number of letters tous and disputes to the credit bureaus disputing the accounts and received no responsefrom us.Leveraging credit reported account data for payment.It is our policy that we do not leverage any reported data for a payment of any kind. If thisis the case with this complaint, our response would be have been an attempt to validatethe account from the client or, in the case of applicable interest or fee only accountbalance, a notice will be sent to the consumer as a listing the source and amount of theremaining account balance.Regarding a no response to the consumer's correspondence.If the scenario is as listed above, our response would include validation documentation or,in the case of applicable interest or fee balance, our notice sent in response to the initialcorrespondence would List fees and the balance amount. Any subsequent disputes, unless
 additional valid information is provided by the consumer in their dispute, are kept in ourcorrespondence files and no additional response is required.With regards to the disputes with the credit bureaus, the credit bureaus send an ACDV(Automated Consumer Dispute Verification) to us requesting us to verify the identifyinginformation and account information. If the identifying information provided by theconsumer to the credit bureaus does not match with the account information, then werequest that the data be removed from the consumer's credit profile. If the informationmatches, we acknowledge the information accordingly in our response to the ACDV.I believe that this addresses the issue in the above mentioned complaint. Please feel freeto for ard any further questions or concerns to me.
Respectfully,
Howard *. B[redacted]PresidentCOl Affiliated Services, Inc.