MsBryson, after receiving your letter through the Revdex.com I reviewed the above referenced accountWe only have one account assigned to us by our client, [redacted] , in the amount of $We do not have any account(s) for $Regardless, we have contacted our client and forwarded them your informationThey have told us they do honor charity write offsThey have instructed us to cease collection and to remove this item from the credit fileWe have sent a deletion request through the repositories portalThis account should be completely removed, by the repositories, in five to seven daysWe will also mail you a letter informing you of this removalIf we can be of any further assistance please let us know Regards, [redacted]
Revdex.com- [redacted] MPB [redacted] 3-9- Below are the facts regarding the above referenced account: This account was assigned by our client on January 12, MPB does not purchase accounts so the account remains the property of our clientAs 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 complaintOur 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 repositoriesAlso, every one of our letters clearly states the Mini-Miranda at the bottom of the pageOur 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 monthsThe account was reported to the three national credit reporting repositories for the first time on [redacted] ***, more than days after being assigned to usOn [redacted] ***, we received a payment, in the form of a personal check, for $from Ms [redacted] A second payment was received on [redacted] ***, in the amount of $50.00, again in the form of a personal checkThen, on [redacted] ***, we received a letter of dispute from herAt that time, we marked the account to be reported to the three national credit reporting repositories as a disputed accountWe contacted our client and obtained complete and proper validation of the debtThis was mailed to Ms [redacted] on October 2, 2017, to the address she shows on this Revdex.com complaintThe Post Office did not return our mailing Ms [redacted] began “disputing” the account through the three national credit reporting repositoriesOn 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] nOn 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 ExperianOn 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
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 debtWhoever 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 jewelryI 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 credit reportsRegards, [redacted]
Revdex.com-Tracy *** 9/13/ Our client, Austin Regional Clinic, assigned this account for collection on June 27, We mailed the required first notice on June 28, 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 BoardAll 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 correctShe forwarded us a copy of her letter mailed to Ms***, 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 reviewThe letter also stated the balance does remain due On August 8, 2016, we mailed validation of the debt to Ms***, 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***’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]
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 forYour client are scammers I know it, and you know it tooThey got paid for their day of scamming in fullThey were told to cancel any future serviceEnd of story- signed contract or not I have a right to give the true facts as they were and areYour 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
Complaint: [redacted] I am rejecting this response because:This complaint is not about the debtI agree I owe the debt, but I appreciate the detailed sarcastic responseI had different reasons for the disputes, but the last dispute was because I was told they didn't own the debtI would have paid and it would have been removed per our original agreementI was told they had instructions to remove this debt upon paymentI 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 responseBecause it was not necessary for them to have this information to collect a debtThis is what I'm upset aboutI asked for itemized information regarding numbers (the actual amount I needed to pay)For example, you saw this Dr and it cost this amountNot, you saw this Dr for THIS MEDICAL CONDITION for this amountI'm terribly sorry I wrote HIPPA and not HIPAA, but you get the pointI don't think a collection agency should or needs to have this information and I feel my rights were violatedBy me asking for itemized details of the account, they took it too far and obtained detailed medical informationThis collection agency could have done their business of collecting a debt without my DETAILED MEDICAL INFORMATIONThe last lady I spoke with sounded proud that they didn't violate HIPAAShe was rude and convinced they did nothing wrongShe said because I asked for an itemized account history, that I gave her permissionI did notThis is where I think they skirted the rules and violated my rightsI will also be filing against Austin Regional Clinic for giving them the information in the first placeI have an appointment with an attorney next week.I would like a copy of our conversations Regards, [redacted]
We received an email notification through our website from Ms [redacted] on June 29th informing us of this situationI investigated and discovered the account should not be on her credit fileApparently, when we sent in our full monthly file for June to the repositories the account was place on her file instead of the correct party’s That same day, June 29th, we completed a “universal data form” online and submitted it to the three major credit bureaus instructing them to delete this account from Ms [redacted] ’s credit fileEven though this is the fastest way to handle the deletion it will take to business days before the process is completed on their end If Ms [redacted] has any questions I can be reached at [redacted] Monday through Friday 7:to 4: [redacted] Tell us why here
Revdex.com- [redacted] [redacted] Case # [redacted] Our answer remains the sameUnder the Texas Family Code the spouse is “liable to any person who provides necessaries to the spouse to whom support is owed”Tell us why here
Revdex.com- [redacted] [redacted] 7-22- Case # [redacted] I will reiterate—MPB has never removed this item from the credit repositoriesIf 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 accountI 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, Our representative verified she was the correct party, and gave her the required mini-mirandaMs [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, 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 balanceOur representative explained to her that our file goes to the three national credit bureaus each month and that we would report her new balanceOur 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, We did not report the account to the credit bureaus until March 8, 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 reportingIf 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 clientWe mailed these on 7/19/to herThese papers bear her signature acknowledging financial responsibilityWe 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 issueTell us why here
Case ID# [redacted] Merchants and Professional Bureau, Incis reporting just one account on Ms [redacted] but we are reporting it to all three of the main repositoriesThis 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, 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, We immediately notified our client of the dispute and requested they provide validation papersAfter receiving those papers from our client we mailed them to Ms [redacted] on February 13, 2017, which is within the 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 yearAs required, we responded back through the EOscar system confirming we were reporting accuratelyUpon receiving the first notification from EOscar we marked the account as disputed in our systemWe 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 personSince 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:to 4:
This account was assigned to us for collection on September 29, MPB received Ms***’s letter disputing the debt on December 27, We mailed complete and proper validation as required by law on January 13, In our response we answered her questions as follows: Who is the original creditor---we supplied an itemized statement from our client, [redacted] , showing their account number of [redacted] What the original amount owed was and the payment history---the itemized statement showed the charge by our client was $and indicated the payment history of $receivedDocument she signed agreeing to pay someone---our client provided the admittance/financial responsibility form which had her signature.What was the original date of delinquency---the itemized statement showed procedure date of 6/2/2014.Agreement that grants authority to collect or proof of acquisition by assignment---we did not provide a copy of our client service agreementThis is not a requirement by law when validating a debtWhat did you pay for this account---Our letter stated “MPB does not purchase debtsOur client has assigned the above reference account to us for the purpose of collecting on the outstanding balance due them.” As required by law, we notified all three credit reporting repositories that the account was in dispute on our monthly update to them on January 7, At this time, however, because of Ms***’s continued dispute of this debt we have cancelled and returned the account back to our clientAs stated earlier, the debt still belongs to our client and we have no control over how the account will be handled in the future We have notified all three credit repositories to delete our reporting of the account from Ms***’s fileTell us why here
Complaint: [redacted] 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 debtWhoever 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 jewelryI 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 credit reports Regards, [redacted]
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 Although, I must admit my mistakeI inadvertently keyed in the wrong addressThe address to respond to is [redacted] [redacted] *** My deepest apologies Regards, [redacted] ***
Complaint: [redacted] I am rejecting this response because: For the purposes of your call to me, you were not representing a credit bureauYou should have clearly stated you are a Collections agencyA collection agency and a Data furnisher are two very distinct functions that can not be combinedThe representation on the phone was abbrasive to me and when I questioned their function, a clarification was not providedThey 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 wellThe representation as a Collection Agency should be clear to the people you are trying to collect a debt fromIt 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]
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] ***
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 meThe referenced account has been officially removed from all credit filing reportsI have made record of all communication and correspondence Regards, [redacted] ***
Revdex.com- [redacted] *** [redacted] 3-14- Below are the facts on the history of the above referenced account: This account was assigned to us on April 9, by our client [redacted] We mailed our first notice to Ms [redacted] on April 10, 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-deliverableWe 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, we responded to an inquiry she made through the EOscar system with Experian regarding this accountAt 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 “***”, no first nameWe requested proper and complete validation of the debt from our clientThe validation packet was mailed to her on March 9, 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*** We responded to that complaint on March 14, with this same information We do not purchase debtsWe do not sell debtsThis 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
Revdex.com- [redacted] [redacted] 7-19- Case # [redacted] First, in Ms [redacted] ’s previous complaint that she placed with the Revdex.com on 7/5/she stated she was not the correct party and had never had services with our clientSince 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 clientWe have never “removed” this account from the credit fileMs [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, 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, all to Equifax Our client assigned this account for collections on December 28, We mailed our first required notice on December 29, informing her of her rightsThe letter was not mail returned and Ms [redacted] did not respondTwo more letters were mailed with the same resultsWe made phone contact with Ms [redacted] on January 27, at which time our representative gave her the required mini-mirandaMs [redacted] did not dispute the debt during the phone call and she did not make arrangements to payThree more letters were mailed over a two month periodWe 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 balanceOur representative explained to her that our file goes to the three national credit bureaus each month and that we would report her new balanceOur 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 reportingWhen we received the first EOscar inquiry we marked the account to report as a “disputed” itemWe 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 circumstancesIt is not “illegal” If Ms [redacted] would like any additional information I can be reached at [redacted] Monday through Friday 7:to 4:CST Tell us why here
MsBryson, after receiving your letter through the Revdex.com I reviewed the above referenced accountWe only have one account assigned to us by our client, [redacted] , in the amount of $We do not have any account(s) for $Regardless, we have contacted our client and forwarded them your informationThey have told us they do honor charity write offsThey have instructed us to cease collection and to remove this item from the credit fileWe have sent a deletion request through the repositories portalThis account should be completely removed, by the repositories, in five to seven daysWe will also mail you a letter informing you of this removalIf we can be of any further assistance please let us know Regards, [redacted]
Revdex.com- [redacted] MPB [redacted] 3-9- Below are the facts regarding the above referenced account: This account was assigned by our client on January 12, MPB does not purchase accounts so the account remains the property of our clientAs 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 complaintOur 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 repositoriesAlso, every one of our letters clearly states the Mini-Miranda at the bottom of the pageOur 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 monthsThe account was reported to the three national credit reporting repositories for the first time on [redacted] ***, more than days after being assigned to usOn [redacted] ***, we received a payment, in the form of a personal check, for $from Ms [redacted] A second payment was received on [redacted] ***, in the amount of $50.00, again in the form of a personal checkThen, on [redacted] ***, we received a letter of dispute from herAt that time, we marked the account to be reported to the three national credit reporting repositories as a disputed accountWe contacted our client and obtained complete and proper validation of the debtThis was mailed to Ms [redacted] on October 2, 2017, to the address she shows on this Revdex.com complaintThe Post Office did not return our mailing Ms [redacted] began “disputing” the account through the three national credit reporting repositoriesOn 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] nOn 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 ExperianOn 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
Our client is [redacted] who show a college ring was purchased for graduation from [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 debtWhoever 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 jewelryI 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 credit reportsRegards, [redacted]
Revdex.com-Tracy *** 9/13/ Our client, Austin Regional Clinic, assigned this account for collection on June 27, We mailed the required first notice on June 28, 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 BoardAll 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 correctShe forwarded us a copy of her letter mailed to Ms***, 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 reviewThe letter also stated the balance does remain due On August 8, 2016, we mailed validation of the debt to Ms***, 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***’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]
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 forYour client are scammers I know it, and you know it tooThey got paid for their day of scamming in fullThey were told to cancel any future serviceEnd of story- signed contract or not I have a right to give the true facts as they were and areYour 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
Complaint: [redacted] I am rejecting this response because:This complaint is not about the debtI agree I owe the debt, but I appreciate the detailed sarcastic responseI had different reasons for the disputes, but the last dispute was because I was told they didn't own the debtI would have paid and it would have been removed per our original agreementI was told they had instructions to remove this debt upon paymentI 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 responseBecause it was not necessary for them to have this information to collect a debtThis is what I'm upset aboutI asked for itemized information regarding numbers (the actual amount I needed to pay)For example, you saw this Dr and it cost this amountNot, you saw this Dr for THIS MEDICAL CONDITION for this amountI'm terribly sorry I wrote HIPPA and not HIPAA, but you get the pointI don't think a collection agency should or needs to have this information and I feel my rights were violatedBy me asking for itemized details of the account, they took it too far and obtained detailed medical informationThis collection agency could have done their business of collecting a debt without my DETAILED MEDICAL INFORMATIONThe last lady I spoke with sounded proud that they didn't violate HIPAAShe was rude and convinced they did nothing wrongShe said because I asked for an itemized account history, that I gave her permissionI did notThis is where I think they skirted the rules and violated my rightsI will also be filing against Austin Regional Clinic for giving them the information in the first placeI have an appointment with an attorney next week.I would like a copy of our conversations Regards, [redacted]
We received an email notification through our website from Ms [redacted] on June 29th informing us of this situationI investigated and discovered the account should not be on her credit fileApparently, when we sent in our full monthly file for June to the repositories the account was place on her file instead of the correct party’s That same day, June 29th, we completed a “universal data form” online and submitted it to the three major credit bureaus instructing them to delete this account from Ms [redacted] ’s credit fileEven though this is the fastest way to handle the deletion it will take to business days before the process is completed on their end If Ms [redacted] has any questions I can be reached at [redacted] Monday through Friday 7:to 4: [redacted] Tell us why here
Complaint: [redacted] The provided web URL goes to an ERROR pagePlease test it on your end and send me a valid link Regards, [redacted]
Revdex.com- [redacted] [redacted] Case # [redacted] Our answer remains the sameUnder the Texas Family Code the spouse is “liable to any person who provides necessaries to the spouse to whom support is owed”Tell us why here
Revdex.com- [redacted] [redacted] 7-22- Case # [redacted] I will reiterate—MPB has never removed this item from the credit repositoriesIf 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 accountI 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, Our representative verified she was the correct party, and gave her the required mini-mirandaMs [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, 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 balanceOur representative explained to her that our file goes to the three national credit bureaus each month and that we would report her new balanceOur 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, We did not report the account to the credit bureaus until March 8, 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 reportingIf 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 clientWe mailed these on 7/19/to herThese papers bear her signature acknowledging financial responsibilityWe 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 issueTell us why here
Case ID# [redacted] Merchants and Professional Bureau, Incis reporting just one account on Ms [redacted] but we are reporting it to all three of the main repositoriesThis 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, 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, We immediately notified our client of the dispute and requested they provide validation papersAfter receiving those papers from our client we mailed them to Ms [redacted] on February 13, 2017, which is within the 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 yearAs required, we responded back through the EOscar system confirming we were reporting accuratelyUpon receiving the first notification from EOscar we marked the account as disputed in our systemWe 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 personSince 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:to 4:
This account was assigned to us for collection on September 29, MPB received Ms***’s letter disputing the debt on December 27, We mailed complete and proper validation as required by law on January 13, In our response we answered her questions as follows: Who is the original creditor---we supplied an itemized statement from our client, [redacted] , showing their account number of [redacted] What the original amount owed was and the payment history---the itemized statement showed the charge by our client was $and indicated the payment history of $receivedDocument she signed agreeing to pay someone---our client provided the admittance/financial responsibility form which had her signature.What was the original date of delinquency---the itemized statement showed procedure date of 6/2/2014.Agreement that grants authority to collect or proof of acquisition by assignment---we did not provide a copy of our client service agreementThis is not a requirement by law when validating a debtWhat did you pay for this account---Our letter stated “MPB does not purchase debtsOur client has assigned the above reference account to us for the purpose of collecting on the outstanding balance due them.” As required by law, we notified all three credit reporting repositories that the account was in dispute on our monthly update to them on January 7, At this time, however, because of Ms***’s continued dispute of this debt we have cancelled and returned the account back to our clientAs stated earlier, the debt still belongs to our client and we have no control over how the account will be handled in the future We have notified all three credit repositories to delete our reporting of the account from Ms***’s fileTell us why here
Complaint: [redacted] 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 debtWhoever 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 jewelryI 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 credit reports Regards, [redacted]
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 Although, I must admit my mistakeI inadvertently keyed in the wrong addressThe address to respond to is [redacted] [redacted] *** My deepest apologies Regards, [redacted] ***
Complaint: [redacted] I am rejecting this response because: For the purposes of your call to me, you were not representing a credit bureauYou should have clearly stated you are a Collections agencyA collection agency and a Data furnisher are two very distinct functions that can not be combinedThe representation on the phone was abbrasive to me and when I questioned their function, a clarification was not providedThey 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 wellThe representation as a Collection Agency should be clear to the people you are trying to collect a debt fromIt 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]
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] ***
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 meThe referenced account has been officially removed from all credit filing reportsI have made record of all communication and correspondence Regards, [redacted] ***
Revdex.com- [redacted] *** [redacted] 3-14- Below are the facts on the history of the above referenced account: This account was assigned to us on April 9, by our client [redacted] We mailed our first notice to Ms [redacted] on April 10, 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-deliverableWe 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, we responded to an inquiry she made through the EOscar system with Experian regarding this accountAt 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 “***”, no first nameWe requested proper and complete validation of the debt from our clientThe validation packet was mailed to her on March 9, 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*** We responded to that complaint on March 14, with this same information We do not purchase debtsWe do not sell debtsThis 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
Revdex.com- [redacted] [redacted] 7-19- Case # [redacted] First, in Ms [redacted] ’s previous complaint that she placed with the Revdex.com on 7/5/she stated she was not the correct party and had never had services with our clientSince 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 clientWe have never “removed” this account from the credit fileMs [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, 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, all to Equifax Our client assigned this account for collections on December 28, We mailed our first required notice on December 29, informing her of her rightsThe letter was not mail returned and Ms [redacted] did not respondTwo more letters were mailed with the same resultsWe made phone contact with Ms [redacted] on January 27, at which time our representative gave her the required mini-mirandaMs [redacted] did not dispute the debt during the phone call and she did not make arrangements to payThree more letters were mailed over a two month periodWe 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 balanceOur representative explained to her that our file goes to the three national credit bureaus each month and that we would report her new balanceOur 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 reportingWhen we received the first EOscar inquiry we marked the account to report as a “disputed” itemWe 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 circumstancesIt is not “illegal” If Ms [redacted] would like any additional information I can be reached at [redacted] Monday through Friday 7:to 4:CST Tell us why here