Credit Vision

No record of any mail sent to us by customer , letters sent to customer since with no response, customer has disputed with Trans Union and we responded as they noted Simple way for the customer to get to the bottom of this is call *** and discuss Monday through
Friday 9- Customer was contacted by a collection agency that did work for us, FJR and Associates customer flat out refused to pay, we would like to help them repair their credit as it seems they are trying but it starts with a phone call from the customer to the toll free number above Thank you

There is no *** *** in the system there is a Larry Durst we deleted on 10/due to a credit repair company so if it is the same person the account has been deletedMy bet it is the same person there is only people with that last name in the system. Thank you

Complaint: ***
I am rejecting this response because: I did speak with *** on 4/26/when he did advise me that the debt was paidHe sent me an email response on 4/26/so the date of 5/9/that it was the first time I called was not trueAlso I am NOT using any 3rd party apps to obtain my credit report I RECIEVED my credit report on 5/19/and it does still show that they are reporting
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID *** and have determined that this does not resolve my dispute
Please enter your reason(s) for rejecting the business response below.I totally disagree with their assessmentThey called our home non stop for days and weeks and I asked them to submit to me a copy of the alledged loan I was supposed to have taken out and they neverDon't you think that if that had such a copy they would gladly send it to me? When I asked for the number of the loan company, they gave me one and I called Cashnet and they said this company was a scam and I do not have any loans through themThe last letter I sent to them was returned just yesterday as no such addressI want this off my credit report. These people change their story so muchIt was twenty years ago and now it was several years agoTheir stories doesn't jive and the very next phone call I get from them I am recordingThey hide behind various numbers and I have blocked at least numbers
Regards,
*** ***

Revdex.com:
I have
reviewed the response made by the business in reference to complaint ID *** and have determined that this does not resolve my dispute
Please enter your reason(s) for rejecting the business response below
Regards,
*** ***
if account is being closed that is fine but I have not received any kind of proof that this debt is mine from email or postal mail

I am not going to go back and forth with Credit Vision because we are both adults and by acting like children nothing will get resolved on this matterI will pay the $as requested to have this removed from my credit reportAs Revdex.com as my witness they will remove this once it has been paid in full

No record of any mail sent to us by customer , letters sent to customer since with no response, customer has disputed with Trans Union and we responded as they noted Simple way for the customer to get to the bottom of this is call *** and discuss Monday through
Friday 9- Customer was contacted by a collection agency that did work for us, FJR and Associates customer flat out refused to pay, we would like to help them repair their credit as it seems they are trying but it starts with a phone call from the customer to the toll free number above Thank you

Customer called in 08/asked for verification and got it mailed to *** *** *** **Also was offered a settlement. Customer admitted taking out the loan and now files this with you. Account is being closed and returned to the Client Thank you

He can call my direct number *** to resolve this

In the first complaint he said that the credit bureau had not record of the account. Now he says trans union and some other company, that we have never heard of most likely a credit repair company says they doWe do not have this person in our system, they should call back the credit repair company and deal with them. No one has ever called here by that name, no one has sent us a letter and trans union has not sent us any type of dispute which is what we get when they try to fix their creditTo write the Revdex.com before calling us is a clear percent sign that they are trying to fix their credit. We do not have him in our system and we do not play games with credit repairNothing else here I can offer them

Very sorry that the customer does not approve of having to deal with the account and once again they are free to call and discuss it anytime they wish. We are here M-F 9am to 5pm if they get a recording it is because we are helping other customers they are free to leave a message

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID *** and have determined that this does not resolve my dispute
Please enter your reason(s) for rejecting the business response below.The statement that I have been sent letters about this account since is absolutely FALSE! According to what is shown on my credit report for this account it was not opened until The statement that I have spoken to someone and refused to pay is absolutely FALSE! I have never spoken to any collection agency about this debt and have no knowledge of the original account.I am attempting to rectify this situation and would like to establish written communication with this businessGiven that I have received no letters from Credit Vision, it would seem they do not have the correct address on file for meI WOULD like to sent a copy of the original notification letter that was supposedly sent to me back in This can be sent to me by mail at: *** *** *** *** ** *** I would also like you to send an address for your business that accepts certified mailIf you do not receive certified mail PLEASE disclose thisI will NOT be coerced into having an undocumented phone conversation with youI wish to present my questions to you via a letter and expect that you provide an address for me to do so.
Regards,
*** ***

Never spoken with us so we might start by the customer calling us at *** to discuss his or her account Without the customer bringing up the specific creditor we are not allowed to bring it up to the Revdex.com or anyone for that matter. The creditor is listed on their credit report
unless they are using a free service like *** ***The simple way to help this customer is to simply ask them to call us

Would be more than happy to supply this customer with a copy of the phone bill on the day described with his number on it. When you call an number the charges are reversed to us and the number is listed. It will take a few days to get it processed and I will forward it to you once it is located and printed. Once again the account is closed out but now with the claims he makes saying he never called forces me to show you exactly what he is after. His account has been closed and deleted and once he is shown his call we will not reinstate it just want to make sure he understands we have no reason to lie about him calling here. I also note he made several comments about us calling him if he can supply me with the dates and apx times I will be happy to also show that that never happened

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID *** and have determined that this does not resolve my dispute
Please enter your reason(s) for rejecting the business response below. I'm going to assume that Credit Vision thinks none of us are savvy enough to keep digital phone recordsI'm also going to assume, by all of their other responses where they blamed everything on the other victims he thinks that that none of us will be the wiser after reading these recordsEventually, again, what you are doing to people will catch up to youWe don't threaten, we take care of our family when someone threatens our well-being by using LAWFUL meansI can only hope that your other victims find this information so they can save themselves the trouble you caused usSir, I suggest you quit the lying and re-aging, because it only takes a magic number before the Federal Trade commission comes after youYou are shameful to expect us to be labeled as the cause in your scamYou know you spoke to us, and you will answer to someone else for what you are doingNot usWe are all reading the other complaints and putting and togetherTake responsibility for what you are doing to familiesPeople you are hurting do have the means to investigate the person hurting their families and find out everythingYou should keep that in mind when you are always denying having spoken to people, people will catch on to itYou can't lawfully re-age anyone's debts after years, even if it was oursWe traced back to who you got your info fromWe spoke to the State Comptroller and Attorney General after you hung up on meYou might want to renew the documents that make you legally allowed to do the job you are doing under that name before you try to ruin anyone else's lives again.I see that this was removed from my credit, but that doesn't exonerate you in your dealingsWhat we ultimately want is for you to remove everyone's that you re-agedYou know it is the right thing to doWe also want you to take responsibility and stop telling the Revdex.com they aren't calling you when we all have so obviously had a similar experience on the phoneMaybe try apologizing to these peopleDo some good and redeem yourself.
Regards,
*** ***

Complaint: ***
I am rejecting this response because:
Multiple inaccuracies in this response from this Business will be addressed belowBe advised, this Business has been reported to multiple financial governing agenciesConsidering the number of complaints that this Business already accumulated on Revdex.com and the current Revdex.com score of D+, it is no wonder that this Business has so many complaints to Revdex.com regarding its business practicesFor convenience, the following quotation is taken directly from the Revdex.com website as it pertains to Credit Vision:“Revdex.com files indicate that this business has a pattern of complaints concerning Billing and Service issuesSpecifically, some consumers allege discovering credit entries on their credit report from Credit Vision or open accounts alleging a debt Consumer allege contacting the business regarding the credit report entries and alleged debt When questions are asked the business will not validate nor provide information pertaining to the debtsRevdex.com sent certified correspondence to the business May requesting their voluntary cooperation in eliminating the pattern of customer complaintThe certified correspondence has been returned ‘unclaimed’. “Regarding the phone calls during this week and be advised, conversations between Consumer and this Business have been recorded: On Monday, October 24,,2016, a representative from a mortgage company did call this Business to verify information, not ownership of the account in questionThis is the same date on which the Consumer was first made aware of this erroneous account on his credit reportOn Tuesday, October 25, 2016, the Consumer’s spouse did call this Business and was unable to give or receive any pertinent information because the Representative verbally assaulted her before hanging up on herThe Representative’s comments regarding the Consumer’s spouse is greatly exaggeratedThree further calls attempted on this date were met with the following automated message: “You have a reached a call source number that is no longer in service, please check the number you have dialed.” On Wednesday, October 26, 2016, the Consumer’s spouse called the Business again and reached the same “out of service” messageThese occurrences lead the Consumer to believe that the Consumer’s phone number was being blocked so that the Business could continue to avoid acknowledgement of faulty credit reportingWhen the Consumer used another phone line to call the Business, it’s Representative was provided with the Consumer’s current contact informationThe Business Representative verbally stated to Consumer that there have been a total of nine disputes on this accountIn fact, this account has only been disputed by Consumer twice since being made aware of its existence on Monday, October 24, No correspondence has ever been received by Consumer from this Business and Consumer has never contacted this agency in any form prior to Monday, October 24, The Representative stated “we’ll send documents one more time but we don’t usually send documents more than one time because after that we call it a frivolous dispute because people do it over and overBut I’ll do it one more time because there’s been so many calls about it and we need to stop the calls and conversations because the conversations are costing us money every time they call in hereAnd once he gets the documents again and sees his name on it and the application and remembers it then he will have to pay the full balance and no settlements because settlements were already offered and this account will fall off his record in March.” Also, be advised that when asked, this Representative would not give any identifying information regarding the account such as original creditor and he would not provide his own nameOnce again, no correspondence from this Business has ever been received by Consumer and no correspondence has been sent to this BusinessIt is the Consumer’s opinion that the Business cannot provide any proof of ownershipHowever, the Consumer is anxiously waiting to receive aforementioned documents and the removal of the account from his credit report as promised by this BusinessIt is suggested to this Business to follow standard protocol when attempting to collect any debt by utilizing USPS registered mail with return receiptOnce again, Consumer has never seen any correspondence regarding this account
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID *** and have determined that this does not resolve my dispute
Please enter your reason(s) for rejecting the business response below.With the history of complaints against your business, why would anyone deal with you without a third party involved? And why are you so mad a third party is involved? You confirmed you can not be communicated with yesterday by yelling and belittling me on the phone when I did call you, prior to you hanging up on me.Why are you so mad? FCRA violations maybe?I called you, and you have not validated anything yet, and apparently never have.I will be requesting my CDF while I wait on you
Regards,
We are waiting

We are very much aware of ** *** continued pleas to have this removed from her credit report. She is also aware of the countless calls, letters and attempted communication from *** *** for over two years to return the rental equipment and to pay the past due balance that
remainsThe account will come off her credit report when she calls in, schedules a pick up of the rental equipment and or pays the past due balance. She has our number and she has the number of *** *** and also the number of the collection agency in HoustonShe is free to call us at *** to discuss this matter at any time. Please note that over the last two years the total amount of calls (to the number she has given you no less) is over 50. She is well aware of the equipment rental, she is well aware of the every part of the amounts owed and she is also aware of the times people have attempted to contact herAll parties are willing to help her resolve this issue, even with a payment plan, to get the remark off of her credit report but it starts with her callingThank you

This customer has a recorded total credit bureau disputes since we got the account here is In May of we sent the customer a copy of the signature card showing it was his after responding to his first written inquiry. The other disputes come from the customer writing and calling in
to Trans Union and disputing the account. Monday we got a call from a mtg company and verified the debt and told the mtg company of the disputes, Tuesday we got a call from a person claiming to be his wifeShe went on to tell us that it was her that had been writing the letters over the years and even though we had sent proof years ago she said she had an intimate knowledge of her husbands credit and that this was not his. So all the years we opened mail and responded to what we thought was our customer turned out to be her writing the letters. Just adding another statement to the list of the claims in the past she was hung up onWed we got another call from another person claiming to be his wife (that makes two this week) and this person asked also for another copy of the signature card. So it appears to us that everyone except our customer has requested the documents, one received them and another now wants them. The account is scheduled to fall of the customers credit report in March of (they are all aware of this) but today after receiving this complaint I have told the staff member that handles the credit reporting to delete it. If I add us all the hours over the years that have been send answering what we thought were customer complaints the time alone cost us too much money to continue to deal with this group of peopleBest of luck to all of them

This customer has a recorded total credit bureau disputes since we got the account here is In May of we sent the customer a copy of the signature card showing it was his after responding to his first written inquiry. The other disputes come from the customer writing and calling in
to Trans Union and disputing the account. Monday we got a call from a mtg company and verified the debt and told the mtg company of the disputes, Tuesday we got a call from a person claiming to be his wifeShe went on to tell us that it was her that had been writing the letters over the years and even though we had sent proof years ago she said she had an intimate knowledge of her husbands credit and that this was not his. So all the years we opened mail and responded to what we thought was our customer turned out to be her writing the letters. Just adding another statement to the list of the claims in the past she was hung up onWed we got another call from another person claiming to be his wife (that makes two this week) and this person asked also for another copy of the signature card. So it appears to us that everyone except our customer has requested the documents, one received them and another now wants them. The account is scheduled to fall of the customers credit report in March of (they are all aware of this) but today after receiving this complaint I have told the staff member that handles the credit reporting to delete it. If I add us all the hours over the years that have been send answering what we thought were customer complaints the time alone cost us too much money to continue to deal with this group of peopleBest of luck to all of them