Merchants and Professional Bureau Inc.

Revdex.com-[redacted]  3445121  10-29-15Mr. [redacted] called me yesterday. After discussing the
situation, I instructed him on what information and documents I would need from
him in order to determine this is a case of identity theft. He agreed to send
me that information. I told him once I receive the information I will review
and determine if this account should be removed from his credit file.After receiving the “rejection” comments this morning from
him through the Revdex.com site, I called him. He said he had responded to my answer
before speaking with me on the phone yesterday. We have agreed to continue with
the process of determining this is an identity theft situation.[redacted]Tell us why here...

Revdex.com-[redacted]  7-19-2016   Case #[redacted]   First, in Ms. [redacted]’s previous complaint that she placed with the Revdex.com on 7/5/16 she stated she was not the correct party and had never had services with our client. Since we were unable to confirm if she was the correct...

party we removed the item from her credit file.   Her current complaint is regarding a different client. We have never “removed” this account from the credit file. Ms. [redacted] has issued multiple inquires through the EOscar system attempting to get this account removed.  We have responded to each of those inquiries verifying the account information so it would continue to report.  This account was reported to the national credit bureaus for the first time on March 8, 2011. We answered EOscar notifications on June 7, 2013, August 5, 2013, December 12, 2014, January 16, 2015, May 21, 2015, August 17, 2015, September 4, 2015, November 2, 2015, and the last one (so far) December 15, 2015 all to Equifax.   Our client assigned this account for collections on December 28, 2010. We mailed our first required notice on December 29, 2010 informing her of her rights. The letter was not mail returned and Ms. [redacted] did not respond. Two more letters were mailed with the same results. We made phone contact with Ms. [redacted] on January 27, 2011 at which time our representative gave her the required mini-miranda. Ms. [redacted] did not dispute the debt during the phone call and she did not make arrangements to pay. Three more letters were mailed over a two month period. We had no response from Ms. [redacted] and our letters were not returned as undeliverable by the Post Office.       ON April 10, 2015, Ms. [redacted] called our office to question our representative on how the account would be reported if she were to start making “payments” towards her balance. Our representative explained to her that our file goes to the three national credit bureaus each month and that we would report her new balance. Our representative asked Ms. [redacted] if she wanted to set up a payment plan and Ms. [redacted] hung up the phone.   As I stated earlier, we have never removed this account from credit reporting. When we received the first EOscar inquiry we marked the account to report as a “disputed” item. We will continue to report the account to all three national credit bureaus as a disputed collection account.   We have obtained validation of the account from our client and will mail it to the address shown on the Revdex.com complaint.   Just for the record, an account could be removed and then re-reported under certain circumstances. It is not “illegal”.   If Ms. [redacted] would like any additional information I can be reached at [redacted] Monday through Friday 7:45 to 4:30 CST.     Tell us why here...

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 me.
Regards,
[redacted]

Complaint: [redacted]
I am able to access the site now. But its asking for an account number which I don't have as I never received a mail from me. Can you send it to me.  I plan to keep this dispute open until the collections is removed from my credit report. Regards,
[redacted]

Our client is [redacted] who show a college ring was purchased for graduation from [redacted].

The account number is [redacted]. [redacted]

The account Ms. [redacted] is referring to was assigned to us by our client, [redacted], LLC on May 2, 2013. We mailed our first notice on May 3, 2013 informing Ms. [redacted] of the original creditor’s name and her rights under the FDCPA. Our letter was mailed to the same address Ms....

[redacted] is showing as her current address on this Revdex.com complaint. Our letter was not returned by the Post Office as undeliverable.  Over the next three months, we mailed a total of five letters to Ms. [redacted] informing her of the amount owed to our client. There was no response from her to any of our letters. We feel certain our letters were delivered by the Post Office, to her address, since none were ever returned to us. Also, during this time period, we attempted to reach her by phone six different days, at the number she provided to the medical center at the time of her treatment. We were not successful in reaching her by phone or receiving a return call.   Since Ms. [redacted] stated she has no knowledge of this amount owed, we requested validation papers from our client. They have provided us with those and we mailed them to Ms. [redacted] today. If she has any questions, she may certainly call our office at ###-###-####.   Regards, [redacted] Tell us why here...

Complaint: [redacted]
I am rejecting this response because: The response does not resolve the claim and they are choosing to stand by a SCAM. No credit was issued at any time for this to be reported on my history of flawless credit reports. The [redacted] representative was running a scam when he asked for my signature and social security number and said it was protection against the check I  paid in full for the 1 time service that day. I was not told I did not have to read anything because I was paying by check. They lied to me and had a motive to later con me for more money for days of no service and then charge a cancellation fee. This Collection company is representing a SCAM. A crime that was committed. I don't care how many times you or [redacted] have or try to reach out to me- I am not paying on this SCAM. I have had a responsible and excellent history of paying for credit. As this was not a credit transaction, it should not be on my credit reports.- this was a SCAM. I do not pay on scams or their representatives.
Regards,
[redacted]

Complaint: [redacted]
I am rejecting this response because: For the purposes of your call to me, you were not representing a credit bureau. You should have clearly stated you are a Collections agency. A collection agency and a Data furnisher are two very distinct functions that can not be combined. The representation on the phone was abbrasive to me and when I questioned their function, a clarification was not provided. They used their function as a credit bureau to try and scare me into paying the debt, which I am still disputing with the medical facility as well. The representation as a Collection Agency should be clear to the people you are trying to collect a debt from. It seems very confusing and a conflict of interest to have a Collection agency also serve as a Credit Report provider (which is what they are) which is supposed to be objective.
Regards,
[redacted]

Ms. Bryson, after receiving your letter through the Revdex.com I reviewed the above referenced account. We only have one account assigned to us by our client, [redacted], in the amount of $133.25. We do not have any account(s) for $4000.00. Regardless, we have contacted our client and...

forwarded them your information. They have told us they do honor charity write offs. They have instructed us to cease collection and to remove this item from the credit file. We have sent a deletion request through the repositories portal. This account should be completely removed, by the repositories, in five to seven days. We will also mail you a letter informing you of this removal. If we can be of any further assistance please let us know.   Regards,   [redacted]
[redacted]
[redacted]

Complaint: [redacted]
I am rejecting this response because: I need a validation letter and signed contract please?
Regards,
[redacted]

Revdex.com-[redacted]   MPB [redacted]   3-9-18   Below are the facts regarding the above referenced account:   This account was assigned by our client on January 12, 2017. MPB does not purchase accounts so the account remains the property of our client. As...

required by law, we mailed the required notification to Ms. [redacted] on [redacted]. This letter was mailed to the same address she shows on this Revdex.com complaint. Our letter contained all mandated statements including her right to dispute the debt and the fact that we report unpaid accounts to the three national credit reporting repositories. Also, every one of our letters clearly states the Mini-Miranda at the bottom of the page. Our letter was not returned by the Post Office and we did not receive a response from Ms. [redacted].  We followed up with several more letters over a period of four months. The account was reported to the three national credit reporting repositories for the first time on [redacted], more than 60 days after being assigned to us. On [redacted], we received a payment, in the form of a personal check, for $100.00 from Ms. [redacted]. A second payment was received on [redacted], in the amount of $50.00, again in the form of a personal check. Then, on [redacted], we received a letter of dispute from her. At that time, we marked the account to be reported to the three national credit reporting repositories as a disputed account. We contacted our client and obtained complete and proper validation of the debt. This was mailed to Ms. [redacted] on October 2, 2017, to the address she shows on this Revdex.com complaint. The Post Office did not return our mailing.   Ms. [redacted] began “disputing” the account through the three national credit reporting repositories. On 9/21/17, we responded to an inquiry through the EOscar system from [redacted]. On 9/22/17, we responded to an inquiry through the EOscar system from [redacted]. On 9/25/17, we responded to an inquiry through the EOscar system from T[redacted]n. On 10/27/17, we responded to an inquiry through the EOscar system from [redacted]. On 10/30/17, we responded to an inquiry through the EOscar system from Experian. On 11/2/17, we responded to an inquiry through the EOscar system from [redacted]. On 12/11/17, we responded to an inquiry through the EOscar system from [redacted].  On 12/12/17, we responded to an inquiry through the EOscar system from [redacted]. On 2/9/18, we responded to an inquiry through the EOscar system from [redacted]. On 2/15/18, we responded to an inquiry through the EOscar system from [redacted].   MPB emphatically denies any violation of any laws.    Mr. [redacted].   Regards, [redacted] and [redacted] Tell us why here...

Revdex.com-Tracy [redacted]  4305444  9/13/16   Our client, Austin Regional Clinic, assigned this account for collection on June 27, 2016. We mailed the required first notice on June 28, 2016.   On July 11, 2016, we received a letter from Ms. [redacted] informing us to “Cease and Desist”. She...

stated this account was “wrongfully billed and is pending malpractice suit and facing complaints with the State of Texas Licensing Board. All communication with this account is to be handled directly with Austin Regional Clinic legal and billing”.   That same day we forwarded a copy of this letter to our client asking them to investigate and let us know how to proceed.  The ARC representative responded that the billing was correct. She forwarded us a copy of her letter mailed to Ms. [redacted], dated July 21, 2016, stating they had “no record of receiving notice of this action” and requesting Ms. [redacted] to submit the information to Austin Regional Clinic for further review. The letter also stated the balance does remain due.   On August 8, 2016, we mailed validation of the debt to Ms. [redacted], as we are required by law to do when we receive a letter of dispute.  Then the account was placed in a “cease & desist” status as a result of Ms. [redacted]’s letter.  No further action will be taken by MPB.   Our client has not notified us of any further information or communication regarding the outstanding balance owed by Ms. [redacted].     [redacted]

Complaint: [redacted]
I am rejecting this response because:
I am rejecting this response because: As I previously stated, I have NEVER received a validation of debt letter NOR a phone call to dispute the ENTIRE validity of this debt. Whoever this company spoke with, quoted the mini-miranda to, identified their mystery client to DEFINITELY was NOT this [redacted]. This is the first that I EVER heard what the debt was for so I now know its for jewelry. I have NEVER in my life financed a ring or any jewelry so when they state their client; I still have no idea who this company nor their client is who has authorized this fraudulent account in my name and social which I never authorized, never received, nor ever paid on.Again, I am requesting this fraudulent debt be removed from all 3 credit reports. Regards,[redacted]

Revdex.com- [redacted]   3-14-17   Below are the facts on the history of the above referenced account:   This account was assigned to us on April 9, 2012 by our client [redacted].  We mailed our first notice to Ms....

[redacted] on April 10, 2012 notifying her of her rights.  We did not receive a response from Ms. [redacted] and we did not receive our letter back from the post office as non-deliverable. We mailed two more letters to her and these letters were never returned by the post office as undeliverable.  We made two attempts to reach her by phone but were unable to make contact with her.  After the phone attempts we mailed three more letters over a two month period and again, we did not receive a response from Ms. [redacted] and the letters were not returned by the Post Office.   On February 7, 2013 we responded to an inquiry she made through the EOscar system with Experian regarding this account. At that time we marked the account as disputed and reported it as such to all three repositories.   On August 13, 2015, we once again responded to an inquiry she made through the EOscar system with Experian.   On February 29, 2016, we responded to an inquiry she made through the EOscar system with TransUnion.   On January 30, 2017, we again responded to an inquiry she made through the EOscar system with TransUnion.   On February 9, 2017, we received a letter disputing the debt from “[redacted]”, no first name. We requested proper and complete validation of the debt from our client. The validation packet was mailed to her on March 9, 2017. As the letter requested, we have marked the account for communication by mail only, no phone calls.   On March 10, 2017, we received notification from the CFPB of a complaint from Ms. [redacted].  We responded to that complaint on March 14, 2017 with this same information.   We do not purchase debts. We do not sell debts. This account has always belonged to our client who rendered the services.   The account is still outstanding and is reported as a disputed collection account.   Regards,   [redacted] Tell us why here...

Complaint: [redacted]
I am rejecting this response because:  Please provide me with original documentation from the United States Postal System, not your companies that show delivery confirmation to my home as well as any time I signed for any letters that bear signature.  Do you pocess such documentation?  Yes or no?  I feel like this was placed on my credit report without regard for the laws that govern debt collection practices.   If you cannot provide me with this documentation then you must remove this from my credit report.   
Regards,
[redacted]

Complaint: [redacted]
I am rejecting this response because:This complaint is not about the debt. I agree I owe the debt, but I appreciate the detailed sarcastic response. I had different reasons for the disputes, but the last dispute was because I was told they didn't own the debt. I would have paid and it would have been removed per our original agreement. I was told they had instructions to remove this debt upon payment. I would like this in writing, as I no longer trust this company.It's great that they didn't include my detailed medical history in writing their response. Because it was not necessary for them to have this information to collect a debt. This is what I'm upset about. I asked for itemized information regarding numbers (the actual amount I needed to pay). For example, you saw this Dr and it cost this amount. Not, you saw this Dr for THIS MEDICAL CONDITION for this amount. I'm terribly sorry I wrote HIPPA and not HIPAA, but you get the point. I don't think a collection agency should or needs to have this information and I feel my rights were violated. By me asking for itemized details of the account, they took it too far and obtained detailed medical information. This collection agency could have done their business of collecting a debt without my DETAILED MEDICAL INFORMATION. The last lady I spoke with sounded proud that they didn't violate HIPAA. She was rude and convinced they did nothing wrong. She said because I asked for an itemized account history, that I gave her permission. I did not. This is where I think they skirted the rules and violated my rights. I will also be filing against Austin Regional Clinic for giving them the information in the first place. I have an appointment with an attorney next week.I would like a copy of our conversations.
Regards,
[redacted]

Case ID# [redacted] Merchants and Professional Bureau, Inc. is reporting just one account on Ms. [redacted] but we are reporting it to all three of the main repositories. This is an older account assigned to us in October 2012, at which time we sent several notification letters to Ms....

[redacted]. We also spoke with her by phone on November 19, 2012 making her aware of the situation.  We received the first and only written dispute letter sent to our office from Ms. [redacted] on January 19, 2017. We immediately notified our client of the dispute and requested they provide validation papers. After receiving those papers from our client we mailed them to Ms. [redacted] on February 13, 2017, which is within the 30 day required time frame.  Our record notes show we were notified by the repositories through the EOscar system that Ms. [redacted] disputed this account late last year. As required, we responded back through the EOscar system confirming we were reporting accurately. Upon receiving the first notification from EOscar we marked the account as disputed in our system. We continue to report it on our monthly files as a disputed account.  Please understand we are only required by law to respond directly to an individual if and when we receive written correspondence from that person. Since we received a letter directly from Ms. [redacted] we have complied with the FDCPA and mailed validation of the account.  If I can be of any further assistance to Ms. [redacted] she may contact me at ###-###-#### Monday through Friday 7:45 to 4:30.

Complaint: [redacted]
Your company used my Social security number to report me to the credit bureau's- That's how it works- Why else would the Losers at [redacted] ask to write it down for them as part of their scam- their back up plan to extort and report if I don't pay what they ask for. Your client are scammers I know it, and you know it too. They got paid for their 1 day of scamming in full. They were told to cancel any future service. End of story- signed contract or not I have a right to give the true facts as they were and are. Your company want's to work for these scammers that's on you, just leave me out of it as I'll have no part in it.

Revdex.com-[redacted]  7-22-2016   Case #[redacted]     I will reiterate—MPB has never removed this item from the credit repositories. If she did not see it on some credit report I can’t explain why.   When I stated “an account could be removed and then re-reported under certain circumstances” I was not saying this was the case with Ms. [redacted]’s account. I was simply saying there are circumstances where an account might be removed and then re-reported and it isn’t an illegal process.  None of this applies to Ms. [redacted]’s account.   Also as I stated previously, we have had two telephone conversations with Ms. [redacted]. The first was us making an outbound call on January 27, 2011. Our representative verified she was the correct party, and gave her the required mini-miranda. Ms. [redacted] did not dispute or make payment arrangement and our representative documented “she hung up on me”.  The second was an incoming call from Ns. [redacted] on April 10, 2015. As I wrote before “Ms. [redacted] called our office to question our representative on how the account would be reported if she were to start making “payments” towards her balance. Our representative explained to her that our file goes to the three national credit bureaus each month and that we would report her new balance. Our representative asked Ms. [redacted] if she wanted to set up a payment plan and Ms. [redacted] hung up the phone.”   The account was assigned to us on December 28, 2010. We did not report the account to the credit bureaus until March 8, 2011. We mailed five letters to her and spoke with her by phone once prior to reporting in an attempt to resolve the account prior to it reporting. If Ms. [redacted] wishes to have the account removed from the credit file now she has the options of 1) paying the account either in full for immediate removal or setting up a payment plan for deletion after the final payment ; or 2) waiting for the account to reach the seven year mark (which will be 8/26/2017). At that time it will still be an unpaid collection account but will no longer be reported to the credit file.   In Ms. [redacted]’s original Revdex.com complaint she stated this is “an incorrect collection” so we obtained validation papers from our client. We mailed these on 7/19/16 to her. These papers bear her signature acknowledging financial responsibility. We don’t understand why she thinks this is “an incorrect collection”. If Ms. [redacted] would call me and give me more information I will work with her on resolving this issue. Tell us why here...