Outsource Receivables Management Inc.

Consumer called Revdex.com and stated co has offered an acceptable resolution

Please see attached response with account deletion record.Respectfully,Amy H***

Good afternoon [redacted] (ext. [redacted]),This letter is in
response to a complaint that was submitted to your office on 10/27/14 regarding the above assigned ID.  My client, [redacted], referred the accounts referenced by Mr. [redacted] to my office on 5/5/14, 6/5/14,...

and 7/23/14.  Mr. [redacted]'s complaint indicates the disputed total as $362.79 but the actual amount of the paid in full accounts in question was $262.79.  Though these accounts were placed with my office in May, June, and July 2014, Mr. [redacted] did not pay the accounts until 10/27/14.  Our "validation notice" that is sent to every consumer who has an account in our system, advises that the account "may be subject to credit reporting 30 days from the date it was received in our office".  Unfortunately, Mr. [redacted] did not pay his accounts until well after that 30 day period, so his accounts were credit reported as indicated in our validation notice.As a data furnisher, we presently have no obligation to delete "valid accounts" that we have reported to the credit bureau after they have been paid in full.  I am certain all of my clients would like to be paid for their services prior to sending accounts for collection, which is why my collector advised Mr. and Mrs. [redacted] that we update the accounts as paid in full versus deleting them.  We update account statuses with the credit bureau twice a month to reflect any changes including payments that have been made on the accounts we have reported.  On 10/17/14 Mr. [redacted] advised my collector that he was working with [redacted] to increase his credit score which is why he needed to have paid accounts deleted from his credit report.  Please note, as of this date, my office still had not received payment for the accounts in collection.  Sometime after the accounts were paid in full on 10/27/14, Mr. or Mrs. [redacted] disputed the paid accounts with [redacted] and my office requested deletion of these accounts on 11/5/14.  Though this goes against my obligation as a data furnisher, I hope our courtesy gesture satisfies Mr. [redacted] and helps to improve his credit score.  Please let me know if you have any other questions.This is an attempt to collect a debt by a debt collector, any information
obtained will be used for that purpose.Respectfully,[redacted], President

See attached response letter dated July 15, 2015.To Whom It May Concern:I am in receipt of the above referenced complaint and appreciate this opportunity to respond.  Ms. [redacted] has 9 outstanding collection accounts with my office that were entered into our system on the following dates:...

1/4/2011, 5/12/2012, 8/29/2012, 9/6/2012, 2/1/2014, 10/25/2014, 10/26/2014, 2/4/2015, and 2/27/2015.  A letter was mailed to her for each one of these accounts.  Our attempts to reach her by telephone were unsuccessful.  On June 25, 2015, she called our office to inquire about paying the accounts in full.  She requested that these accounts be deleted from her credit report.  It is our policy to update accounts on a consumer’s credit report as “paid” when payment has been received.  To date, we have not received payment for any of these accounts.  While I try to respect Ms. [redacted]’s request, I believe my clients’ and I have been more than patient in waiting for payment on services that were rendered to her during the past 1 to 5 years. We are more than willing to work with Ms. [redacted] through a repayment plan to satisfy her outstanding accounts.  Outsource Receivables Management, Inc. takes pride in our Revdex.com Accredited Business status and we strive to maintain that.  Please let me know if you have any questions and thank you for your patience in awaiting this response.Respectfully,Amy H[redacted]President

Dear Ms. [redacted]See attached response to complaint ID [redacted]To Whom It May Concern:I am in receipt of the above referenced complaint and appreciate this opportunity to respond.  At the time Ms. [redacted] filed this complaint with your office she had 2 [redacted]n accounts with my office.  The...

account referenced in her complaint was entered into my system on April 26, 2016.   A letter regarding that account was mailed to [redacted] on April 27, 2016.  This letter was not returned to my office by the U.S. Postal Service.  We attempted to contact her by telephone at [redacted] on April 27, 2016 at 10:44 a.m. and May 2, 2016 at 9:11 a.m.   Those attempts to reach her were unsuccessful.  Ms. [redacted] called our office on May 2, 2016 at or around 5:23 p.m.  She advised my collector that she did not receive a bill for this account or she would have paid it.  She requested an itemized statement for this service so she could verify with her records whether this account had already been paid.  My collector told her she would request an itemized statement from [redacted].  Ms. [redacted] inquired about this account affecting her credit report and my collector informed her that that account was not subject to credit reporting until it had been in our system for 30 days.  Ms. [redacted] then requested that this account be marked as disputed.  She then requested that proof of this account being marked as disputed be emailed or faxed to her.  My collector advised this was a systematic process and, therefore, we do not have any proof to send her.  Ms. [redacted] then verified that she and my collector were on a recorded telephone line so if we did not do what we said we would do “she can come back on us”.  My collector told her we would request the itemized statement for her and would mark the account as disputed.  We marked the account as disputed in our system on May 3, 2016 at 11:33 a.m. as requested.  Keep in mind, at this point, this account has not been credit reported.  We attempted to contact Ms. [redacted] by telephone on August 2, 2016 at 12:10 p.m. but there was no answer.   As of this date there had been no further contact from Ms. [redacted] regarding this account.    We mailed a second letter regarding this account to Ms. [redacted] on January 13, 2017 and attempted to call her on January 20, 2017 at 12:22 p.m. to follow-up on the letter we sent but, again, got no answer.   We made 2 additional attempts to call Ms. [redacted] on February 6, 2017 at 3:24 p.m. and March 1, 2017 at 11:54 a.m. but got no answer either of those times. Ms. [redacted] called our office on June 9, 2017 around 8:45 a.m. and told my collector she pays her copays and our company was fraud.  The collector transferred the call to our collection manager.   Ms. [redacted] told my manager “we were fraud” and requested details on the now 2 accounts that were in my collection system.  The collection manager told her we are a 3rd party so we would have to request the statements from our clients, the original providers of service.   She wanted the statements faxed to her; the manager informed her that she would need to fax a release to our office authorizing the fax number that the statements can be sent to.   The she told my manager to call her when we have them and she will stop by our office to get them.  The manager asked what number we should call her at because our previous attempts to reach her by telephone were unsuccessful.  She became profane and said her number was [redacted] which is the same number we attempted to call previously.  There was silence on the line, the manager tried to confirm the call back number but there was no response so he thanked her and ended the call. Given the details above I disagree with Ms. [redacted]’s statement in her complaint to your office, “I have never heard of this company from Arcade NY so I phoned them this morning.”   The “wrong mailing address” referenced in Ms. [redacted]’s complaint ([redacted] is noted in our system as a previous mailing address for her.  Ms. [redacted] inquired about this account affecting her credit when she spoke with my office on May 2, 2016 so I do not understand her statement about us “issuing a negative creditor rating” without notifying her when she had previously called our office.We contacted our client, [redacted], on June 9, 2017 to request another copy of the itemized statement for Ms. [redacted].   The statement was received in our office, via fax, that same morning.  The collection manager attempted to call Ms. [redacted] around 2:51 p.m. after receiving the itemized statement but got her voicemail; no message was left.  Ms. [redacted] called right back and asked if we could fax the statement to her.  Our manager reminded her that we need a faxed authorization from her telling us what fax number we can send the itemized statement to.  She said she would do that in about an hour and the manager gave her our fax number.We received a fax from Ms. [redacted] on June 13, 2017 authorizing us to fax the itemized statement to [redacted].  That fax was sent to her around 1:06 p.m.  [redacted] contacted our office on June 14, 2017 and requested that we close this account.  The account was cancelled from our system on that day and was marked for deletion on Ms. [redacted]’s credit report. We made several attempts to contact Ms. [redacted] about this account long before she filed this complaint with your office.  This account was initially reported as a disputed account to Equifax on June 14, 2016.  It appears that this account did not become a priority until it had a negative impact on her credit line at [redacted]’s.  Outsource Receivables Management, Inc. takes pride in our A+ Revdex.com Accredited Business status and we strive to maintain that.  Please let me know if you have any questions.Respectfully,Amy H[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.With regards to me calling them, unfortunately, that's not my responsibility. They have the duty and obligation to notify ME of an alleged debt with proof that it even belongs to me! I've received no debt validation notice, no contact and believe that this alleged debt belongs to someone else, since as I mentioned I wasn't even living in New York at the time this debt was created!
Regards
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  The 1st day that I called Outsource receivables they verified my address as being an old address .  I updated the address on file with them that morning,  So, their statement is false and not correct.  I also have call detail on my line of 913-1232 and there was never an incoming or missed call from Outsource Receivables.  This company 100% frauded my credit report !  I never owed [redacted] a payment as my insurance handled it prior to them receiving the account.  Yes, They received the account in error and should have notified me but they didn't.  Instead they put a hard report on my credit which I take pride in and I had to fight to get it removed.  I was told by [redacted] that it was an error and that Outsource was to delete it the day of the 14th and spoke to Carl at Outsource who said it was being done that very day  but they did not report it !  I called June 22 after calling Equifax and them telling me that it wasn't removed.  I spoke to Amy who was angered that I made a complaint to the Revdex.com and told me that it uploads to Equifax 2 time per month and I demanded that it het removed immediately.  Amy claimed that it was being manually done on the 22nd but I called Equifax this morning and its still not reported.  As for as a $100 bill from Mercy hospital that Outsource claims I owed, This also is paid and I have a receipt from it !    I understand that this debt collection agency only gets paid for accounts they get paid on but "bullying" clients and trying to steal money from people who don't owe it is fraud ! 
Regards,
[redacted]

December 4, 2017Revdex.com100 Bryant Woods SouthAmherst, NY 14228Attention:  [redacted]Re:  Complaint ID [redacted]Dear Ms. [redacted]:I am in receipt of your letter dated December 4, 2017 regarding the above referenced complaint ID.  I found a [redacted]...

[redacted] in my system, however, the address and telephone number in my system does not match the address and telephone number provided in Ms. [redacted]’s complaint.  There are 2 previous addresses for the [redacted] in our system.  For the record, Outsource Receivables Management does not intentionally report false information to Equifax.   We strive for customer satisfaction and are more than willing to work with individuals who contact our office to make us aware of any concern he or she may have.   The [redacted] in our system has never made any attempt to contact our office nor have we had any success in getting this individual on the telephone.   Please have Ms. [redacted] contact my office at our toll free number [redacted] so we can assist in her in sorting out the questions or concerns she has regarding the account information on her credit report. I take great pride in the Accredited A+ Rating our company has with the Revdex.com and would have liked the opportunity to try and help this person prior to receiving this complaint from your office.  Please let me know if you have any questions. Respectfully,Amy H[redacted]President