***DOCUMENT ATTACHED [redacted] I am in receipt of the above listed complaintPlease 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 adviceWe 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 bureausThis 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 ExperianWe 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 ncreported 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 bureausThe dispute focuses on fact that the accounts remain on the credit file after the statute of Limitations expireThe 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 yearsThis 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 debtCDI is not actively pursuing the accountsThe verbiage contained in our correspondence to the consumer is statuatory verbiage required on all written communication to the consumerAs 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 accountsShould 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 complaintShould you have any questions or concerns, please feel free to direct them to me.Howard *B***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?
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 complaintPlease 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 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, 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 kindIf 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 amountAny 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 informationIf 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 profileIf the informationmatches, we acknowledge the information accordingly in our response to the ACDV.I believe that this addresses the issue in the above mentioned complaintPlease feel freeto for ard any further questions or concerns to me Respectfully, Howard *B***PresidentCOl Affiliated Services, Inc
***DOCUMENT ATTACHED [redacted] I am in receipt of the above listed complaintPlease 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 adviceWe 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 bureausThis 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 ExperianWe 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 ncreported 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 bureausThe dispute focuses on fact that the accounts remain on the credit file after the statute of Limitations expireThe 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 yearsThis 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 debtCDI is not actively pursuing the accountsThe verbiage contained in our correspondence to the consumer is statuatory verbiage required on all written communication to the consumerAs 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 accountsShould 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 complaintShould you have any questions or concerns, please feel free to direct them to me.Howard *B***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?
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 complaintPlease 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 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, 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 kindIf 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 amountAny 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 informationIf 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 profileIf the informationmatches, we acknowledge the information accordingly in our response to the ACDV.I believe that this addresses the issue in the above mentioned complaintPlease feel freeto for ard any further questions or concerns to me Respectfully, Howard *B***PresidentCOl Affiliated Services, Inc
There is no complaint attachedThe only attachment is a the authorization form