I am rejecting this response because:It was my mistake in trusting my friends who took over my lease to make payments to, and close, the account with Duke Energy after my friends terminated the lease in August (Duke Energy would not allow me to transfer the account to them because these friends are international students without social security numbers.) I had learned my lesson--that some "friends" do not keep their promises -- by paying what they owed to Duke Energy as soon as I found out (in June 2015) about their failure to take care of the Duke Energy accountSince these friends are international students, I have no way to collect from themI never knew that I had to provide the post office with a forwarding address, since I had never expected any mail to be sent to me at the address that I vacated (because I assumed the Duke Energy account would be closed by my "friends" when they terminated the lease in August 2014)Therefore, I was not aware of any of the events related to the Duke Energy account after May (when I left the apartment) until June (when I saw the collection item on my credit file)I have not yet consulted legal advice on the point that you do not have to prove mail delivery to me, but given that I have already made Duke Energy whole, it would be helpful to me if the collection item is removed from Equifax's credit file, especially when I never received any of your letters (as can be verified by the manager of the apartment)I do not understand your insistence on leaving this item on my credit file, since it does not reflect my behavior as a consumer -- I have never deliberately left a debt unpaid in my lifeBut if you are not persuaded to remove it, I will work with the credit agency to seek deletion of this item
Regards,
*** ***
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved]
Complaint: ***
I am rejecting this response because:I never did get such letters so if I PAY this in full I would like it to be taken off all completely
Regards,
*** ***
Account #*** Amount Owed: $Responsible Party: *** ***
Patients: *** * ***
Client: DrTodd R
Tibbs, DDS, PA
Sent to Collection: 10-30-Our records indicate the information noted above for this account We also have the responsible party's social security number and date of birth on file from our client's records If Mr*** does not think this account is hers we will need to see a copy of her ID / Driver's License and her social security card She can fax a copy securely to 336-777-or mail a copy to DataMax-Interstate Credit Collections, Coliseum Plaza Court, Winston-Salem, NC We ask that she please include a copy of this complaint or reference the account # *** After we validate her ID, if the account is for a different *** ***, we will have it removed from her credit reports If she had additional questions, she can also speak with one of our collectors by calling 800-325-Sincerely,
Terry T***
Vice President - COO
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved]
Complaint:
I am rejecting this response because:I never received ANY notices regarding this account (please provide an address in which you sent these notices to and I can provide you with a letter of residency from any of my landlords from that time, the letter in December was NOT sent by me, but by a Credit Repair Organization, in which I no longer do business with due to reasons I will not provide, and the email I sent you was used as Goodwill Intent BEFORE I filed my Revdex.com complaint, in order to give DataMax a chance to make good on their promiseLike I stated before, if you can place something on my Credit Report, you can remove it as wellI will make other arrangements and contact other resources if you cannot provide adequate information as to these notices I "supposedly" received in before the account was placed in collections.
Regards,
*** ***
Account # ***
Owed to: *** *** ***
Amount owed: $Service Address: *** *** ***
*** **
This is in response to Ms***'s complaint regarding the account referenced above This account is for power service provided in her name at the service address noted above A signature is not required to establish utility service
The account was sent to our office for collection on October 8, Two collection notices were mailed to the current address in her complaint on October 21, and December 6, Neither were returned so we assume delivery Our mail is sent "Return Service Requested" so we are notified if the piece is not deliverable In addition, another service we use called National Change of Address Register (NCOA) located the current address for Ms***
The account remains unpaid If she chooses to pay the account we will ask the credit reporting agencies to update the balance to reflect the paid status
*** ***
Vice President & COO
This is in
response to the Revdex.com complaint issued by *** *** regarding his account with
*** *** *** in the amount of $54.50.
The account is the final bill for electric service
provided in his name
at *** *** *** *** Wilmington, NCThe last date of service was December
4, 2012. The account was sent to our office for
collection on January 8,
Our records indicate
we sent Mr*** three collection notices and none of them were returned by
the post office so we assume delivery. They
were sent January 9, 2013, January 24, and February 8, 2013. The National Change of Address Register
provided us with a new address for him after he left the service address so
they were sent to *** *** *** *** *** ** ***. We also attempted to reach Mr*** by
telephone five times but were unsuccessfulThe third notice we sent on February
8, provided him with days to pay the account to prevent it from being
sent to the credit reporting agencies. That
date would have been March 14, 2013.
Since we
never spoke with Mr***, we made no promises this account would be deleted
from his credit report and neither did *** *** ***. Their records indicate that he contacted them
on September 10, to inquire about the balance on the account. He was quoted $which he paid. The payment was posted on September 11,
to the account. There is no
documentation in *** ***’s records where the customer was advised the debt
would be removed from his credit files
As
someone who is familiar with the importance of credit I am sure Mr*** can
understand why it is important for potential creditors and others to have as
much information as possible to make an accurate assessment of an individual’s
credit worthiness. Our agency
consistently reports accurate, verifiable and factual accounts to the credit
reporting agencies. Under the Fair
Credit Reporting Act collection accounts remain a part of credit files for
seven years from the date of delinquency. We get deletion requests on a regular
basis and treat everyone the same. We
don’t request the removal of paid accounts from the credit reporting agencies
unless one of the three reasons under the Fair Credit Reporting Act apply which
are 1) the account is too old to report, 2) it can no longer be re-verified or
3) it was sent to collection in error
We
suggest that Mr*** consider adding a consumer statement to his credit files
explaining the circumstances surrounding the account. The statement would be made available to
those who access his credit file in the future.
Sincerely,
Terry G
***
Vice
President & COO
***
RE:
size="2">
Account #
Client
Amount
Date Sent to Collection
Date Paid
***
*** *** ***
$
08-22-
12-16-
***
*** *** ***
$
12-31-
12-18-
***
*** *** ***
$
01-07-
12-18-
This is in response to Mr***’s
complaint to the Revdex.com regarding the accounts referenced
above Our records indicate that collection notices
were sent to Mr*** for each account noted above and none were returned by
the post office so we assume delivery.
Each notice provided Mr*** with days to pay the accounts in
full to prevent them from being sent to the credit reporting agencies.
As someone who is familiar with the
importance of credit I am sure Mr*** can understand why it is important
for potential creditors and others to have as much information as possible to
make an accurate assessment of an individual’s credit worthiness. Our agency consistently reports accurate,
verifiable and factual accounts to the credit reporting agencies. Under the Fair Credit Reporting Act
collection accounts remain a part of your credit for seven years from the date
of delinquency We
receive requests like Mr***’s on a regular basis and, upon the advice of
our legal counsel, treat everyone the
same. We don’t request the removal of
paid accounts from the credit reporting agencies
We are sorry to hear of Mr***’s
health issues and suggest that he consider adding a consumer statement to his
credit files explaining the circumstances surrounding the accounts. The statement would be made available to
those who access his credit file in the future.
There are three credit reporting agencies within the United States. They are listed below with their mailing
addresses for his benefit. He will need
to mail his consumer statement directly to them with his name, current home
address and social security number
Equifax:
P O Box 740256 Atlanta, GA 30374-
Trans
Union:
P O Box 390 Springfield, PA 19064-
Experian:
Experian Way Allen, TX
Sincerely,
Terry
GT***
Vice
President & COO
I am rejecting this response because:It was my mistake in trusting my friends who took over my lease to make payments to, and close, the account with Duke Energy after my friends terminated the lease in August (Duke Energy would not allow me to transfer the account to them because these friends are international students without social security numbers.) I had learned my lesson--that some "friends" do not keep their promises -- by paying what they owed to Duke Energy as soon as I found out (in June 2015) about their failure to take care of the Duke Energy accountSince these friends are international students, I have no way to collect from themI never knew that I had to provide the post office with a forwarding address, since I had never expected any mail to be sent to me at the address that I vacated (because I assumed the Duke Energy account would be closed by my "friends" when they terminated the lease in August 2014)Therefore, I was not aware of any of the events related to the Duke Energy account after May (when I left the apartment) until June (when I saw the collection item on my credit file)I have not yet consulted legal advice on the point that you do not have to prove mail delivery to me, but given that I have already made Duke Energy whole, it would be helpful to me if the collection item is removed from Equifax's credit file, especially when I never received any of your letters (as can be verified by the manager of the apartment)I do not understand your insistence on leaving this item on my credit file, since it does not reflect my behavior as a consumer -- I have never deliberately left a debt unpaid in my lifeBut if you are not persuaded to remove it, I will work with the credit agency to seek deletion of this item
Regards,
*** ***
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved]
Complaint: ***
I am rejecting this response because:I never did get such letters so if I PAY this in full I would like it to be taken off all completely
Regards,
*** ***
Account #*** Amount Owed: $Responsible Party: *** ***
Patients: *** * ***
Client: DrTodd R
Tibbs, DDS, PA
Sent to Collection: 10-30-Our records indicate the information noted above for this account We also have the responsible party's social security number and date of birth on file from our client's records If Mr*** does not think this account is hers we will need to see a copy of her ID / Driver's License and her social security card She can fax a copy securely to 336-777-or mail a copy to DataMax-Interstate Credit Collections, Coliseum Plaza Court, Winston-Salem, NC We ask that she please include a copy of this complaint or reference the account # *** After we validate her ID, if the account is for a different *** ***, we will have it removed from her credit reports If she had additional questions, she can also speak with one of our collectors by calling 800-325-Sincerely,
Terry T***
Vice President - COO
We appreciate *** ***'s input The manager of the department has reviewed the call with the employee involved
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved]
Complaint:
I am rejecting this response because:I never received ANY notices regarding this account (please provide an address in which you sent these notices to and I can provide you with a letter of residency from any of my landlords from that time, the letter in December was NOT sent by me, but by a Credit Repair Organization, in which I no longer do business with due to reasons I will not provide, and the email I sent you was used as Goodwill Intent BEFORE I filed my Revdex.com complaint, in order to give DataMax a chance to make good on their promiseLike I stated before, if you can place something on my Credit Report, you can remove it as wellI will make other arrangements and contact other resources if you cannot provide adequate information as to these notices I "supposedly" received in before the account was placed in collections.
Regards,
*** ***
Account # ***
Owed to: *** *** ***
Amount owed: $Service Address: *** *** ***
*** **
This is in response to Ms***'s complaint regarding the account referenced above This account is for power service provided in her name at the service address noted above A signature is not required to establish utility service
The account was sent to our office for collection on October 8, Two collection notices were mailed to the current address in her complaint on October 21, and December 6, Neither were returned so we assume delivery Our mail is sent "Return Service Requested" so we are notified if the piece is not deliverable In addition, another service we use called National Change of Address Register (NCOA) located the current address for Ms***
The account remains unpaid If she chooses to pay the account we will ask the credit reporting agencies to update the balance to reflect the paid status
*** ***
Vice President & COO
This is in
response to the Revdex.com complaint issued by *** *** regarding his account with
*** *** *** in the amount of $54.50.
The account is the final bill for electric service
provided in his name
at *** *** *** *** Wilmington, NCThe last date of service was December
4, 2012. The account was sent to our office for
collection on January 8,
Our records indicate
we sent Mr*** three collection notices and none of them were returned by
the post office so we assume delivery. They
were sent January 9, 2013, January 24, and February 8, 2013. The National Change of Address Register
provided us with a new address for him after he left the service address so
they were sent to *** *** *** *** *** ** ***. We also attempted to reach Mr*** by
telephone five times but were unsuccessfulThe third notice we sent on February
8, provided him with days to pay the account to prevent it from being
sent to the credit reporting agencies. That
date would have been March 14, 2013.
Since we
never spoke with Mr***, we made no promises this account would be deleted
from his credit report and neither did *** *** ***. Their records indicate that he contacted them
on September 10, to inquire about the balance on the account. He was quoted $which he paid. The payment was posted on September 11,
to the account. There is no
documentation in *** ***’s records where the customer was advised the debt
would be removed from his credit files
As
someone who is familiar with the importance of credit I am sure Mr*** can
understand why it is important for potential creditors and others to have as
much information as possible to make an accurate assessment of an individual’s
credit worthiness. Our agency
consistently reports accurate, verifiable and factual accounts to the credit
reporting agencies. Under the Fair
Credit Reporting Act collection accounts remain a part of credit files for
seven years from the date of delinquency. We get deletion requests on a regular
basis and treat everyone the same. We
don’t request the removal of paid accounts from the credit reporting agencies
unless one of the three reasons under the Fair Credit Reporting Act apply which
are 1) the account is too old to report, 2) it can no longer be re-verified or
3) it was sent to collection in error
We
suggest that Mr*** consider adding a consumer statement to his credit files
explaining the circumstances surrounding the account. The statement would be made available to
those who access his credit file in the future.
Sincerely,
Terry G
***
Vice
President & COO
***
RE:
size="2">
Account #
Client
Amount
Date Sent to Collection
Date Paid
***
*** *** ***
$
08-22-
12-16-
***
*** *** ***
$
12-31-
12-18-
***
*** *** ***
$
01-07-
12-18-
This is in response to Mr***’s
complaint to the Revdex.com regarding the accounts referenced
above Our records indicate that collection notices
were sent to Mr*** for each account noted above and none were returned by
the post office so we assume delivery.
Each notice provided Mr*** with days to pay the accounts in
full to prevent them from being sent to the credit reporting agencies.
As someone who is familiar with the
importance of credit I am sure Mr*** can understand why it is important
for potential creditors and others to have as much information as possible to
make an accurate assessment of an individual’s credit worthiness. Our agency consistently reports accurate,
verifiable and factual accounts to the credit reporting agencies. Under the Fair Credit Reporting Act
collection accounts remain a part of your credit for seven years from the date
of delinquency We
receive requests like Mr***’s on a regular basis and, upon the advice of
our legal counsel, treat everyone the
same. We don’t request the removal of
paid accounts from the credit reporting agencies
We are sorry to hear of Mr***’s
health issues and suggest that he consider adding a consumer statement to his
credit files explaining the circumstances surrounding the accounts. The statement would be made available to
those who access his credit file in the future.
There are three credit reporting agencies within the United States. They are listed below with their mailing
addresses for his benefit. He will need
to mail his consumer statement directly to them with his name, current home
address and social security number
Equifax:
P O Box 740256 Atlanta, GA 30374-
Trans
Union:
P O Box 390 Springfield, PA 19064-
Experian:
Experian Way Allen, TX
Sincerely,
Terry
GT***
Vice
President & COO