Team Recovery, Inc.

Initial Business Response /* (1000, 5, 2015/09/23) */
Team Recovery did speak with Ms*** in August and explained that the Fair Credit Reporting Act is what Team Recovery must abide by as a data furnisherWe had checked with Ms***'s original creditor and have again rechecked with Ms
***'s original creditor in an attempt to honor Ms***'s requestThe original creditor has researched their billing, as well as the insurance billing, and there has been no error allowing for the account to be deleted
Ms*** may contact our office if she has any further questions
Sincerely,
Stacie K***

Initial Business Response /* (1000, 5, 2016/02/09) */
We have investigated the claims of Mr*** with his original creditor and they advised he did not dispute the account, but wanted it removed from his credit
When Mr*** contacted our office on 1-25-and again on 1-26-we did
advise him that if the account was paid it would be updated and not deleted based on the Fair Credit Reporting ActHowever, Team Recovery has closed the account back to the original creditor and will no longer be the data furnisherTherefore, Mr*** should contact his original creditor if he has any questions
Sincerely,
Stacie K***

I am rejecting this response because:
While TEAM makes it sound so cut and dry they in fact do not have all of the factsIt’s sad that I must explain myselfMy two year old daughter was quite ill and spent several days in ACHWe were being billed and we did in fact make payment arrangements with the hospitalWhen I got notice we were in default we called ACH to find out why, we were already paying them as agreed uponAfter some digging, it was found that we were being billed from TWO separate accountsThis was not detected by ACH when we setup paymentsNot everything is as cut and dry as it sometimes appearsThis brings me back full circle.I’m sure no business wants to admit fault or blame on any scale, and I do accept partial responsibility for the defaulted accountPerhaps we should have studied the statements much deeperIn any event, we were led to believe that only when no contact has been made for days does TEAM notify the credit agenciesI’m sure TEAM handles items for individuals that don’t really care much about their credit or billsI take my credit and that responsibility very seriously and have worked hard to build a positive scoreI find it despicable that I can receive such a major blemish because of “a misunderstanding” in policyAnd I find it even worse that I am now stuck with this black mark for seven years because obviously something failed in the communication department and TEAM is so unwilling to budge on their positionI’m sorry, but I simply cannot select the little “Accept Business Response” option

We are not trying to be difficultWhen Mrs*** stated she did not want the account to be placed on Mr***’s credit she was given the information to avoid thatUnpaid balances, payments, and all other updates are reported automatically through the computer systemIf a balance is resolved in full prior to the grace period, through partial payments or a lump sum payment, the account would not be reported to the credit bureauThe original creditor information provided was in response to the statements made in the original complaintWe wanted to confirm there was not an “issue” as it was referenced and now being referenced as a “mix-up/confusion.” The original creditor has it documented that Mrs*** spoke with them and was to call them backStatements were sent and were not returned as a bad addressWording about accounts being placed for collection and credit bureau reporting was provided by the original creditorPer the Fair Credit Reporting Act, the data has been reported accurately

Initial Business Response /* (1000, 5, 2016/04/05) */
Team Recovery has researched the dispute filed by Mr***Mr*** refers to credit bureausTeam Recovery reports to only twoAs a data furnisher, we are required to file all updates/deletes through E-Oscar which is the electronic way
to provide updates and what is required by both TransUnion and Equifax, the two bureau's we report toWe wish we could just make a phone call, but we have been instructed by the credit bureaus that phone updates are not acceptable and the E-Oscar electronic filing is what is requiredThe account number that Mr*** is referring to was sent via E-Oscar as a requested, by Team Recovery, on 12/22/2015, 2/23/2016, and again on 3/14/We cannot answer for why the one bureau that did not make the requested update
To assist Mr***, I personally called and spoke with the help desk of the one bureau Mr*** said is still showing a listing and they had us resubmit through E-Oscar again and they assured us they would get it correctedMr*** can have any lending institution contact me to confirm any of this information
Sincerely,
Stacie K***

Team Recovery has researched Mr. [redacted]’s claims.  The first time we spoke directly to Mr. [redacted] was June 13, 2017.  Mrs. [redacted] contacted us March 13, 2017.  Mrs. [redacted] stated she did not want the account to be placed on Mr. [redacted]’s credit.  We let Mrs. [redacted]...

know there is approximately a 90 day grace period to allow accounts to be resolved before accounts are reported to any credit bureau.  She told us the account would be resolved within 60 days.  The account was not resolved until 06/19/2017.    The account was placed with our office in March 7, 2017. The account data was transferred to Equifax and TransUnion June 12, 2017.   Monthly statements were provided by the original creditor and the monthly billing statement process is completed prior to the account being turned over to our office.  Team Recovery also validated the account upon referral and no letter was returned by the U.S. Postal System.   Team Recovery is neither dishonest nor deceptive.  Mrs. [redacted] was given accurate information when we spoke to her in March.  The grace period expired before the account got resolved.  We have notified Equifax and TransUnion that the account has been paid and per the request of Mr. [redacted] we also let them know the account is being disputed.   Please feel free to contact our office if you have any additional questions or concerns.

I am rejecting this response because: Again, the response is different. During my June phone conversation, I was informed that after 60 days the credit agencies are notified. During the initial conversation with my wife, it was conveyed that no response brings the agency reporting. She (we) were led to believe that as long as payments were sent no report would be made. Which is the reason it was not paid in full in March! We were under the impression that installments were fine. Furthermore, I can understand TEAM wanting to appear as the honest business, but their response certainly did not have to include anything about the original creditor as what transpired prior is none of their concern. Additionally, no where in writing was it conveyed that the account must be paid in full to avoid a negative report to the credit agencies. This would apply to the one and only statement that gets sent. As initially stated in the complaint, due to mix-up/confusion with the original biller, we were unaware that we were in default of anything. Only after getting the ONLY statement TEAM would bother to send did we find out about this. This should NOT appear on my credit because TEAM had failed to fully disclose any conditions. But again, it is now their word against mine.

Initial Business Response /* (1000, 5, 2015/08/10) */
Contact Name and Title: Stacie K[redacted]
Contact Phone: [redacted]
Contact Email: [redacted]
We have investigated the concerns of Mr. [redacted] regarding the information that is being reported on his wife's credit report. The initial...

notification was sent to the address provided by her original creditor May 4, 2011. We spoke directly to Ms. [redacted] May 19, 2011 who promised to have the item paid in full by May 31, 2011. The payment was not received and the account was reported to the credit bureau July 1, 2011. Ms. [redacted] paid the account July 13, 2011 and her credit report was updated as such. The Fair Credit Reporting Act allows Team Recovery to update the activity as it happens. The Fair Credit Reporting Act prohibits Team Recovery from removing accounts solely because they have been paid in full. Mr. [redacted] refers to "common place" in the industry; we abide by the Fair Credit Reporting Act. We have additionally contacted Ms. [redacted]'s original provider. If anything changes that would permit us to delete the item from Ms. [redacted]'s credit report, in accordance with the law, we will delete the item immediately.
Initial Consumer Rebuttal /* (3000, 7, 2015/08/11) */
(The consumer indicated he/she DID NOT accept the response from the business.)
It is my understanding that this response in itself is a violation of the fair credit reporting act. There is not a prohibition against reporting organizations from requesting record removal. Misleading consumers about this is actually in violation of the fair credit reporting act.