Initial Business Response / [redacted] (1000, 5, 2017/12/18) */ Dear Ms [redacted] Thank you for notifying our agency about this matterWe have conducted a reasonable investigation of the information provided by the consumerThe account was originally placed by Duke Energy Florida with our office on 9/25/This is a final meter reading for a closed account for the address [redacted] , FL XXXXXWe have not changed our name and are not affiliated with " [redacted] ." We attempted to mail a letter but the address for the consumer that we had on file was not validWe will mark the account disputed and provide validation to the consumer There is no evidence regarding incomplete or inaccurate information explaining the reason for the request that we remove the information from his credit fileWe have reported all information accurately as required of data furnishers by the Fair Credit Reporting ActIf the consumer has additional information for us to consider with regard to his request we will be happy to review it I appreciate the opportunity to work with your office in clearing up this matterPlease don't hesitate to contact me if I can be of further assistance Sincerely, [redacted] Compliance Manager Helvey & Associates Initial Consumer Rebuttal / [redacted] (3000, 7, 2017/12/19) */ (The consumer indicated he/she DID NOT accept the response from the business.) I never had a case or contract with themI NEVER HAD ANY DEALINGS WITH [redacted] I am saying this is under penalty of perjuryI sent an affidavit to Helvey and Associates and they must respond under penalty of perjury as wellI DON'T [redacted] AND I DON'T KNOW HELVEYThey can't just put stuff on people's file Final Business Response / [redacted] (4000, 9, 2017/12/21) */ We have conducted a reasonable investigation of the information you submittedWe have updated our records to show the account as disputed and have requested that the credit bureaus mark their records accordinglyWe are also sending an itemization of charges for the consumer's review If the consumer feels that this may be an issue of identity theft, there is some information we will need to investigate the claimThe Identity Theft Affidavit can be obtained at www.ftc.gov/idtheft or by contacting the Federal Trade Commission at 1-877-ID-THEFT (XXX-XXXX)Once completed, the consumer should send our department: 1-copy of police or identity theft report and 1-copy of affidavit within days in order for us to properly handle the disputeWhen we receive the requested information we will review this further We appreciate the opportunity to work with your office to clear up this matterPlease don't hesitate to contact us if we can be of further assistance
Initial Business Response / [redacted] (1000, 5, 2015/07/20) */ Contact Name and Title: Gary Gross-Compliance Mgr Contact Phone: XXX-XXX-XXXX Contact Email: [redacted] @hlv.com Dear MsAnciani-Dutt, Thank you for notifying our agency about this matterWe have conducted a reasonable investigation of the claim made by Ms [redacted] and have reviewed and considered all the information submitted by you The account in question was originally placed for collection with our office on 9/10/by Duke Energy Ohio and KentuckyWe sent a notice to the consumer on 9/12/We later received a report that the address on file was not accurate and the consumer provided no forwarding address Additionally, we attempted to call the consumer at the phone number provided to the creditorThe number was not valid Once an account is turned over for collections it becomes eligible to be reported to a consumer's creditBecause the account hasn't been paid in full, it was reported as an unpaid collection accountIf the consumer wishes to pay the bill we will request that the credit bureaus update the status to show the account paid in full There is no evidence regarding incomplete or inaccurate information explaining the reason for the request that we remove the information from her credit fileWe have reported all information accurately as required of data furnishers by the Fair Credit Reporting ActIf the consumer has additional information for us to consider with regard to her request we will be happy to review it I appreciate the opportunity to work with your office in clearing up this matterPlease don't hesitate to contact me if I can be of further assistance Sincerely, [redacted] Compliance Manager OFFER: Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/07/24) */ (The consumer indicated he/she DID NOT accept the response from the business.) I have been a resident of California since August 1, I do not know why the bill would be in my name, as I spoke to Duke before I left requesting they come out and turn off the power since I was moving and the house was being foreclosed onI did hear from neighbors that someone had broken into it and moved into the house...it was empty and the bank had not sold it and had taken possession of it (my ex-husband bankrupted our family and did not tell me till we were about to lose the house) Duke should have turned off the power since I was no longer in-statePlease amend thisIf you need proof of my Residency (California) let me know, but I imagine you can gather that information with tax records Final Business Response / [redacted] (4000, 9, 2015/07/29) */ Contact Name and Title: Gary ***-Compliance Mgr Dear Ms [redacted] Thank you for notifying our agency regarding the consumer's responseWe have contacted the creditor to confirm the information provided by Ms [redacted] According to their records, she called the creditor 7/10/requesting service start 7/11/She gave her primary phone number of XXX-XXX-XXXX and [redacted] N [redacted] CA as her current locationShe called 2/27/at 3:pm and discussed turning off gas and she said she would call back to schedule turn offOn 5/8/the creditor tried to contact customer with new phone number (XXX-XXX-XXXX) and left message to contact them regarding access to gas meter for turn offNo responseThe electric was disconnected for nonpayment 11/5/and the gas was disconnected at the curb for nonpayment 7/25/ The Hamilton County Auditor website shows sale date was 11/20/from [redacted] to [redacted] There is no record of a request for disconnect in Prior to service in [redacted] 's name the service was in [redacted] name (according to Lexis she has a last name of [redacted] They have a request for disconnect from [redacted] for 7/but was cancelled when [redacted] (see above) requested service in her name Regardless of her place of residence it appears the consumer did, in fact, establish service in her name and failed to disconnect itIf the consumer has additional information to provide, we would be happy to review it Sincerely, [redacted] Compliance Manager OFFER:
Initial Business Response / [redacted] (1000, 5, 2017/05/10) */ Thank you for notifying our agency about this matterWe have conducted a reasonable investigation of the information you submittedThe account in question was placed by Duke Energy Florida on 9/23/We mailed a letter to the property address in Orlando on 9/25/It was the only address we had on file There is no evidence regarding incomplete or inaccurate information explaining the reason for the request that we remove the information from her credit fileWe have reported all information accurately as required of data furnishers by the Fair Credit Reporting ActIf the consumer has additional information for us to consider with regard to his request we will be happy to review it I appreciate the opportunity to work with your office in clearing up this matterPlease don't hesitate to contact me if I can be of further assistance Sincerely, [redacted] Compliance Manager Helvey & Associates Initial Consumer Rebuttal / [redacted] (3000, 7, 2017/05/11) */ (The consumer indicated he/she DID NOT accept the response from the business.) Thank you for your responseThe bill was sent to Orlando address which is property service address but we live in California and have lived on [redacted] XXXXX for last yearsThis is the address we provided as billing address when we opened the account with Duke energy back in Later when our tenants moved in they provided Duke energy with their address for sending the bill which was the Orlando addressWhen tenants moved out Duke energy billed me but never sent bill on my residence/ billing address which was same as when I provided my details to them back in I guess Duke energy kept my name and social sec but lost my billing/residence address resulting in sending the bill to the property address in Orlando which we never receivedHelvey and associates was also not given my billing address correctly by Duke energy as they lost it in their recordsAs a result I never received any collection letter All I am requesting is to not penalize my credit report for no fault of mineI had already paid the collection as soon as I saw it on my credit back in JanuaryHad I received the bill at my correct address I would have paid it promptlyPlease consider my request its hurting me financially for no fault of mineI had no knowledge that Duke energy will put the bill in my name without having my billing address Regards, [redacted] Final Consumer Response / [redacted] (2000, 11, 2017/05/12) */ (The consumer indicated he/she ACCEPTED the response from the business.) Thank you for helping me with my request, really appreciate it Final Business Response / [redacted] (4000, 9, 2017/05/12) */ Dear Ms [redacted] Thank you for notifying our agency about this matterWe have conducted a reasonable investigation of the information you submitted While we have reported all information accurately as permitted by the FCRA, as a courtesy we are requesting this account be removed from the consumer's credit file I appreciate the opportunity to work with your office in clearing up this matterPlease don't hesitate to contact me if I can be of further assistance Sincerely, [redacted] HR & Compliance Manager Helvey & Associates, Inc
Initial Business Response / [redacted] (1000, 5, 2017/09/20) */ Thank you for notifying our agency about this matterWe have conducted a reasonable investigation of the information you submittedThe consumer has previously filed this complaint and complained to the CFPB as wellThe account in question was placed by Duke Energy Florida on 9/28/The validation period expired last year but we have complied with the consumer's request and mailed the required documentation on 3/22/We also marked the account as disputed as stated in our CFPB response to the consumer There is no evidence regarding incomplete or inaccurate information explaining the reason for the request that we remove the information from his credit fileWe have reported all information accurately as required of data furnishers by the Fair Credit Reporting ActIf the consumer has additional information for us to consider with regard to his request we will be happy to review it I appreciate the opportunity to work with your office in clearing up this matterPlease don't hesitate to contact me if I can be of further assistance Sincerely, [redacted] Compliance Manager Helvey & Associates
Initial Business Response / [redacted] (1000, 5, 2016/02/17) */ Contact Name and Title: [redacted] ***-Compliance Mgr Contact Phone: XXX-XXX-XXXX Contact Email: [redacted] @hlv.com Dear Ms [redacted] We have conducted a reasonable investigation of the information you submittedWe don't have enough information to determine the identify of the consumer involvedWe need either account number(s) or a full (non-truncated) social security number Because we currently are unable to locate any accounts under the name you provided with a matching address, and there are no accounts in our system with the phone number provided, we are unable to address the consumer's concernsWhen we receive the requested information we will review this further We appreciate the opportunity to work with your office to clear up this matterPlease don't hesitate to contact us if we can be of further assistance Sincerely, [redacted] Compliance Manager OFFER: Initial Consumer Rebuttal / [redacted] (3000, 7, 2016/02/18) */ (The consumer indicated he/she DID NOT accept the response from the business.) This raises concerns that you collected from the wrong personPlease provide documentation tying me to this debtMy personal information is as follows: [redacted] M [redacted] SS# XXX-XX-XXXX Woodshire Drive, Apt Fort Wayne, IN XXXXX (XXX) XXX-XXXX I do not have an account number on recordIf you cannot verify this account please contact the credit bureau(s) to have this deleted from my report Final Business Response / [redacted] (4000, 22, 2016/03/17) */ Dear Ms [redacted] We mailed an itemized statement to the consumer today detailing charges and paymentsWe hope this will resolve the issue Best regards, [redacted] Compliance Manager
Initial Business Response / [redacted] (1000, 5, 2015/06/11) */ Contact Name and Title: [redacted] ***-Compliance Mgr Contact Phone: XXX-XXX-XXXX Contact Email: [redacted] @hlv.com Thank you for notifying our agency about this matter. We have conducted a reasonable investigation of the information you submitted.... The account in question was placed for collection November 21, 2014. We only received change of address notification when we sent our second notice on January 29, 2015. It is our practice to request that the consumer's credit file be updated as a paid collection account as required by the Fair Credit Reporting Act. That information is reported monthly by tape. Consumer reporting agencies may take up to 30 days or longer to update consumer reports and this is beyond our control. There is no evidence to suggest that we made any statement about removing the tradeline from the consumer's credit report. OFFER: There is no evidence regarding incomplete or inaccurate information explaining the reason for the request that we remove the information from her credit file. However, it appears that there may have been some confusion concerning how the account would be handled once paid and we made a decision to request removal of the account from the consumer's credit. I appreciate the opportunity to work with your office in clearing up this matter. Please don't hesitate to contact me if I can be of further assistance. Sincerely, [redacted] HR & Compliance Manager Helvey & Associates, Inc.
Initial Business Response / [redacted] (1000, 5, 2016/06/20) */ Dear Ms [redacted] Thank you for notifying our agency about this matterWe have conducted a reasonable investigation of the claim made by Ms [redacted] and have reviewed and considered all the information submitted by you The account in question was originally placed for collection with our office on 8/11/by Ben [redacted] We sent an initial notice to the consumer on 8/13/to the same address that she providedWe sent additional notices as well Additionally, we performed a bankruptcy scrub, as is our standard practice, on the day the account was assigned to usThere was no record of this account being included in a bankruptcyWe have never been contacted by the consumer If the consumer has information showing that this account was included in a bankruptcy we would be happy to review itIn the meantime, we are marking the account disputed which will update the consumer's credit report accordingly We have reported all information accurately as required of data furnishers by the Fair Credit Reporting ActIf the consumer has additional information for us to consider with regard to her request we will be happy to review it I appreciate the opportunity to work with your office in clearing up this matterPlease don't hesitate to contact me if I can be of further assistance Sincerely, [redacted] D [redacted] Compliance Manager
Initial Business Response /* (1000, 5, 2017/08/02) */
Dear Ms***
Thank you for notifying our agency about this matterWe have conducted a reasonable investigation of the claim made by Mr*** and have reviewed and considered all the information submitted by you
The
account in question was placed for collection by *** *** on 4/30/We mailed letters to the address provided by the consumer on 5/3/and 7/7/We received payment by check from the consumer and posted it on 9/17/The account is paid in full
We have reported all information accurately as required of data furnishers by the Fair Credit Reporting ActIf the consumer has additional information for us to consider with regard to her request we will be happy to review itI appreciate the opportunity to work with your office in clearing up this matterPlease don't hesitate to contact me if I can be of further assistance
Sincerely,
*** ** ***
Compliance Manager
Initial Business Response /* (1000, 5, 2016/05/23) */
Dear MsAnciani-Dutt,
Thank you for notifying our agency about this matterThe account in question was placed by Duke Energy on 7/7/in the amount of *** Our agent explained to the consumer that the balance should be paid in full by
7/27/to ensure that his credit would not be affected
The consumer made payments to our office by phone on 8/14/15, 9/11/and 9/29/Because of conversations with the consumer we sent a Universal Data Form to the credit bureaus on 10/2/to expedite updating the status of the account to show paid in full
I appreciate the opportunity to work with your office in clearing up this matterPlease don't hesitate to contact me if I can be of further assistance
Sincerely,
*** D***
Compliance Manager
Initial Business Response /* (1000, 5, 2016/03/08) */
Contact Name and Title: *** ***-Compliance Mgr
Contact Phone: XXX-XXX-XXXX
Contact Email: ***@hlv.com
Dear MsAnciani-Dutt:
We have conducted a reasonable investigation of the information the consumer submittedWe have made a
total of calls to the phone subscriber's number in and have had no contactAt no point were we ever contacted and told that the consumer we wished to speak with didn't live thereWe are not attempting to collect anything from Ms***
We removed Ms***'s phone number from the account to prevent possible future callsI appreciate the opportunity to work with your office in clearing up this matterPlease don't hesitate to contact me if I can be of further assistance
Sincerely,
*** D***
Compliance Manager
Helvey & Associates, Inc
OFFER:
Initial Consumer Rebuttal /* (2000, 7, 2016/03/11) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Thank you, thank you, Revdex.com, for helping me with thisAfter learning that Helvey was a real company, I did call them but they didn't tell me why they called in the first placeHowever, they said they won't call again, as their message to you also statesIt was very strangeAnd again thank you
Initial Business Response /* (1000, 5, 2015/06/11) */
Contact Name and Title: *** ***-Compliance Mgr
Contact Phone: XXX-XXX-XXXX
Contact Email: ***@hlv.com
Thank you for notifying our agency about this matterWe have conducted a reasonable investigation of the information you submitted
The account in question was placed for collection August 5, We did indeed request that the consumer's credit file be updatedThat information is reported monthly by tapeIt typically happens near the beginning of each month
To speed the process along, we made a decision to send an electronic UDF on June 8thThis is done to update the file before the next monthly reportingConsumer reporting agencies may take up to days or longer to update consumer reports and this is beyond our control
I appreciate the opportunity to work with your office in clearing up this matterPlease don't hesitate to contact me if I can be of further assistance
Sincerely,
*** ***
Compliance Manager
Helvey & Associates
OFFER:
Initial Business Response /* (1000, 5, 2017/05/23) */
Dear Ms***
Thank you for notifying our agency about this matterWe have conducted a reasonable investigation of the claim made by Ms*** and have reviewed and considered all the information submitted by you
We don't have
enough information to determine the identity of the consumer involvedThe address and phone number provided do not match our filesWe need either an account number or a full (non-truncated) social security number
Because we currently are unable to locate any accounts matching both the name and address you provided, we are not able to respond further
I appreciate the opportunity to work with your office in clearing up this matterPlease don't hesitate to contact me if I can be of further assistance
Sincerely,
*** ** ***
Compliance Manager
Initial Consumer Rebuttal /* (3000, 7, 2017/05/29) */
(The consumer indicated he/she DID NOT accept the response from the business.)
This account was associated with address XXXXX *** *** ** *** *** ** XXXXX, last four of social is ***
I have talked with several representatives who stated that this item will remain as a collection on my account even though I have paid the collection off
Final Business Response /* (4000, 10, 2017/06/01) */
We have spoken twice with the consumer last monthWhat we explained is that we reported her accounts as paid to the credit bureausWe are unable to request deletionShe claims she would have her attorney contact us
Once an account is turned over for collections it becomes eligible to be reported to a consumer's creditWe did indeed request that the consumer's credit file be updated to show that the account was paid in fullThat information is reported monthly by tapeIt typically happens near the beginning of each monthWe have also submitted a UDF (electronic request) to the credit bureaus on 5/31/to ensure that this account is showing as paid
We have reported all information accurately as required of data furnishers by the Fair Credit Reporting ActI appreciate the opportunity to work with your office in clearing up this matterPlease don't hesitate to contact me if I can be of further assistance
Sincerely,
*** ***
Compliance Manager
Helvey & Associates
Initial Business Response /* (1000, 5, 2016/06/27) */
Dear MsAnciani-Dutt,
Thank you for notifying our agency about this matterWe have conducted a reasonable investigation of the claim made by Mr*** and have reviewed and considered all the information submitted by you
The
account in question was originally placed for collection with our office on 12/9/by Duke EnergyWe sent an initial notice to the consumer on 12/12/to the same address that he providedThe notice was not returned by the post office
We have reported all information accurately as required of data furnishers by the Fair Credit Reporting ActIf the consumer has additional information for us to consider with regard to his request we will be happy to review it
I appreciate the opportunity to work with your office in clearing up this matterPlease don't hesitate to contact me if I can be of further assistance
Sincerely,
*** D***
Compliance Manager
Initial Consumer Rebuttal /* (3000, 7, 2016/06/30) */
(The consumer indicated he/she DID NOT accept the response from the business.)
To whom it may concern:
After speaking with *** with Helvey and Associates on the phone this past Monday 6/She informed me these items would be removed from my credit report on all three bureaus, so if *** could verify this and update his response, I will then accept the response from the businessThank you
*** ***
Final Business Response /* (4000, 9, 2016/07/01) */
We have requested on 6/28/that the account be removed by the consumer reporting agenciesConsumer reporting agencies may Lake up to days or longer to update consumer reports and this is beyond our control
I appreciate the opportunity to work with your office in clearing up this matterPlease don't hesitate to contact me if I can be of further assistance
Sincerely,
*** D***
Compliance Manager
Final Consumer Response /* (2000, 11, 2016/07/05) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Thank you for the correction to this reporting, I greatly appreciate it
Initial Business Response /* (1000, 5, 2017/07/05) */
Dear Ms***
Thank you for notifying our agency about this matterWe have conducted a reasonable investigation of the claim made by Mr*** and have reviewed and considered all the information submitted by you
We don't
have enough information to determine the identify of the consumer involvedWe need either account numbers or a full (non-truncated) social security number
Because we currently are unable to locate any accounts matching both the name and address you provided, we are not able to respond further
I appreciate the opportunity to work with your office in clearing up this matterPlease don't hesitate to contact me if I can be of further assistance
Sincerely,
*** ** ***
Compliance Manager
Initial Consumer Rebuttal /* (3000, 7, 2017/07/07) */
(The consumer indicated he/she DID NOT accept the response from the business.)
No I need proof of validation that I signed a contract with them for goods or services
Final Business Response /* (4000, 9, 2017/07/07) */
Dear Ms***
As I indicated previouslyWe need either account numbers or a full (non-truncated) social security number to determine the identity of the consumerAt this time, we are unable to locate any accounts matching both the name and address you provided and we are not provide validation
I appreciate the opportunity to work with your office in clearing up this matterPlease don't hesitate to contact me if I can be of further assistance
Sincerely,
*** ** ***
Compliance Manager
Initial Business Response /* (1000, 5, 2016/05/24) */
Dear Ms***
Thank you for notifying our agency about this matterWe have conducted a reasonable investigation of the information you submitted
The account in question was placed for collection February 12, We contacted
the creditor to investigate the consumer's claimThe charges were for "basic life support" after a traffic accidentThe consumer was never transportedAt the creditor's request, we have cancelled the account from our system and will not be collecting the balance
I appreciate the opportunity to work with your office in clearing up this matterPlease don't hesitate to contact me if I can be of further assistance
Sincerely,
*** D***
HR & Compliance Manager
Helvey & Associates, Inc
Initial Consumer Rebuttal /* (2000, 7, 2016/05/26) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Thank you for your time on this matterI appreciate your business
Initial Business Response /* (1000, 5, 2016/05/16) */
Dear MsAnciani-Dutt,
Thank you for notifying our agency about this matterWe are unable to determine which specific account the consumer is referring toWe do show accounts as paid and have reported such to the credit bureausIf the
consumer can provide information or a copy of a credit report showing something other than a paid collection account, we will be happy to look into the matter further
I appreciate the opportunity to work with your office in clearing up this matterPlease don't hesitate to contact me if I can be of further assistance
Sincerely,
*** D***
Compliance Manager
Initial Consumer Rebuttal /* (3000, 7, 2016/05/17) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Attached is a screenshot of my credit report from minutes ago from TransUnion which shows the account as still being reported with a Balance of *** The account is being reported as having a balance of *** to both Trans Union and Equifax
This is the only account of mine which has been reported to crediting agencies so the statement of me having three accounts is a lie, the fact that it was reported to credit agencies as paid is a lieAs their reporting has cost me housing I demand the account be removed from my report and an apology from the company
The response from Helvey and Associates is unacceptable to me
Final Consumer Response /* (4200, 11, 2016/05/17) */
(The consumer indicated he/she DID NOT accept the response from the business.)
There is sufficient evidence to report that the company is falsely reporting data and their reports have caused me to be homeless and not be approved for an apartment
Final Business Response /* (4000, 9, 2016/05/17) */
Dear Ms*** ***
The account in question was placed on 02/12/by Consumers EnergyPayment was recorded in our office on May 4, We report updated information monthlyThe file will show the account paid in fullConsumer reporting agencies may take up to days or longer to
update consumer reports and this is beyond our control
There is no evidence regarding incomplete or inaccurate information explaining the reason for the request that we remove the information from the consumer's credit fileWe have reported all information accurately as required of data furnishers by the Fair Credit Reporting Act
Sincerely,
*** ***
HR & Compliance Manager
Helvey & Associates
Initial Business Response /* (1000, 5, 2017/12/13) */
Thank you for notifying our agency about this matterWe have conducted a reasonable investigation of the information you submittedThe account in question was placed by *** *** on 6/9/We mailed numerous letters to a number
of addresses since that time
We recently received our first communication from the consumer dated 12/4/In this letter she requested validation and that we cease communication by phoneThe validation period passed *** years ago but we will send the requested information when it becomes available from the original creditor
We're been licensed to collect in Michigan for yearsOur license number is XXXXXXXXXX
There is no evidence regarding incomplete or inaccurate information explaining the reason for the request that we remove the information from her credit fileWe have reported all information accurately as required of data furnishers by the Fair Credit Reporting ActIf the consumer has additional information for us to consider with regard to her request we will be happy to review it
I appreciate the opportunity to work with your office in clearing up this matterPlease don't hesitate to contact me if I can be of further assistance
Sincerely,
*** ***
Compliance Manager
Helvey & Associates
Initial Consumer Rebuttal /* (3000, 7, 2017/12/14) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I have NEVER received a letter from this companyIn addition the response lists *** ***? I have never been a resident of Florida so it would be impossible for me to utilize energy services from ***Again Helvey & Associates please VALIDATE this debt with MY original documents and I will assume responsibility, however you know as I do that those documents do not exist so DELETE THIS UNVALIDATED ACCOUNT IMMEDIATELY! You have sent notifications to multiple addresses? Really? Well I have not lived in multiple places since so why? Oh I know because you DID NOT! Validate in compliance with the law is my requestIf you have the documents produce them!
Final Business Response /* (4000, 9, 2017/12/14) */
Please accept my apology for mistyping the earlier responseConsumers Energy is located in MichiganWe mailed to multiple addresses because the National Change of Address system has shown a number of addresses for the consumer since As I previously stated, we will mail the requested information as soon as it becomes availableWe only just received the request last week
Best regards,
*** ***
Compliance Manager
Helvey & Associates
Initial Business Response /* (1000, 5, 2017/06/14) */
Thank you for notifying our agency about this matterWe have conducted a reasonable investigation of the information you submittedThe account in question was placed for collection by Duke Energy Progress on 1/17/We mailed a letter to the
consumer on 1/20/and 3/26/Neither letter was returned
There is no evidence regarding incomplete or inaccurate information explaining the reason for the request that we remove the information from her credit fileWe have reported all information accurately as required of data furnishers by the Fair Credit Reporting ActIf the consumer has additional information for us to consider with regard to his request we will be happy to review it
I appreciate the opportunity to work with your office in clearing up this matterPlease don't hesitate to contact me if I can be of further assistance
Sincerely,
*** ***
Compliance Manager
Helvey & Associates
Initial Consumer Rebuttal /* (3000, 7, 2017/06/14) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I never received any letter about this accountI was not provided a debt validation in which a signature was onI am not responsible for this debt and would like for it to be deleted from my credit reportNext steps will be to file a complaint with the CFPB
Final Business Response /* (4000, 9, 2017/06/15) */
The consumer never requested validation, which must be done in writing, and the period required by law has expiredRegardless, we will mark the account as disputed and send validationNo signature is required for this document
There is no evidence regarding incomplete or inaccurate information explaining the reason for the request that we remove the information from her credit fileWe have reported all information accurately as required of data furnishers by the Fair Credit Reporting ActIf the consumer has additional information for us to consider with regard to her request we will be happy to review it
I appreciate the opportunity to work with your office in clearing up this matterPlease don't hesitate to contact me if I can be of further assistance
Sincerely,
*** ***
Compliance Manager
Helvey & Associates
Initial Business Response /* (1000, 5, 2016/08/05) */
Dear Ms***
Thank you for notifying our agency about this matterWe have conducted a reasonable investigation of the claim made by Mr*** and have reviewed and considered all the information submitted by you
The account
in question was originally placed for collection with our office on 3/17/by *** EnergyWe never received payment from the consumer for this account
He claims to have paid the final bill on 12-15-- however, service didn't end in his name until 2-05-He paid *** Energy directly but not until 01/04/(years after he claims the payment was made and almost year after the account was assigned to us)
He sent a copy of his online bill pay showing a payment made to *** Energy in the amount of *** in December but nothing to prove that was the final billIt would appear this was just a regular monthly paymentThis account remains as a paid collection listing on the consumer's credit because it was paid several months after it was initially placed
I appreciate the opportunity to work with your office in clearing up this matterPlease don't hesitate to contact me if I can be of further assistance
Sincerely,
*** D***
Compliance Manager
I am rejecting this response because: AS I CORRESPONDED BEFOREYOU ARE REPORTING DEROGATORY MARKS ON MY CONSUMER REPORT AND I HAVE NO DOCUMENTATION OF CONTRACT WITH YOUR COMPANY OR "MEETING OF THE MINDS."
Initial Business Response / [redacted] (1000, 5, 2017/12/18) */ Dear Ms [redacted] Thank you for notifying our agency about this matterWe have conducted a reasonable investigation of the information provided by the consumerThe account was originally placed by Duke Energy Florida with our office on 9/25/This is a final meter reading for a closed account for the address [redacted] , FL XXXXXWe have not changed our name and are not affiliated with " [redacted] ." We attempted to mail a letter but the address for the consumer that we had on file was not validWe will mark the account disputed and provide validation to the consumer There is no evidence regarding incomplete or inaccurate information explaining the reason for the request that we remove the information from his credit fileWe have reported all information accurately as required of data furnishers by the Fair Credit Reporting ActIf the consumer has additional information for us to consider with regard to his request we will be happy to review it I appreciate the opportunity to work with your office in clearing up this matterPlease don't hesitate to contact me if I can be of further assistance Sincerely, [redacted] Compliance Manager Helvey & Associates Initial Consumer Rebuttal / [redacted] (3000, 7, 2017/12/19) */ (The consumer indicated he/she DID NOT accept the response from the business.) I never had a case or contract with themI NEVER HAD ANY DEALINGS WITH [redacted] I am saying this is under penalty of perjuryI sent an affidavit to Helvey and Associates and they must respond under penalty of perjury as wellI DON'T [redacted] AND I DON'T KNOW HELVEYThey can't just put stuff on people's file Final Business Response / [redacted] (4000, 9, 2017/12/21) */ We have conducted a reasonable investigation of the information you submittedWe have updated our records to show the account as disputed and have requested that the credit bureaus mark their records accordinglyWe are also sending an itemization of charges for the consumer's review If the consumer feels that this may be an issue of identity theft, there is some information we will need to investigate the claimThe Identity Theft Affidavit can be obtained at www.ftc.gov/idtheft or by contacting the Federal Trade Commission at 1-877-ID-THEFT (XXX-XXXX)Once completed, the consumer should send our department: 1-copy of police or identity theft report and 1-copy of affidavit within days in order for us to properly handle the disputeWhen we receive the requested information we will review this further We appreciate the opportunity to work with your office to clear up this matterPlease don't hesitate to contact us if we can be of further assistance
Initial Business Response / [redacted] (1000, 5, 2015/07/20) */ Contact Name and Title: Gary Gross-Compliance Mgr Contact Phone: XXX-XXX-XXXX Contact Email: [redacted] @hlv.com Dear MsAnciani-Dutt, Thank you for notifying our agency about this matterWe have conducted a reasonable investigation of the claim made by Ms [redacted] and have reviewed and considered all the information submitted by you The account in question was originally placed for collection with our office on 9/10/by Duke Energy Ohio and KentuckyWe sent a notice to the consumer on 9/12/We later received a report that the address on file was not accurate and the consumer provided no forwarding address Additionally, we attempted to call the consumer at the phone number provided to the creditorThe number was not valid Once an account is turned over for collections it becomes eligible to be reported to a consumer's creditBecause the account hasn't been paid in full, it was reported as an unpaid collection accountIf the consumer wishes to pay the bill we will request that the credit bureaus update the status to show the account paid in full There is no evidence regarding incomplete or inaccurate information explaining the reason for the request that we remove the information from her credit fileWe have reported all information accurately as required of data furnishers by the Fair Credit Reporting ActIf the consumer has additional information for us to consider with regard to her request we will be happy to review it I appreciate the opportunity to work with your office in clearing up this matterPlease don't hesitate to contact me if I can be of further assistance Sincerely, [redacted] Compliance Manager OFFER: Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/07/24) */ (The consumer indicated he/she DID NOT accept the response from the business.) I have been a resident of California since August 1, I do not know why the bill would be in my name, as I spoke to Duke before I left requesting they come out and turn off the power since I was moving and the house was being foreclosed onI did hear from neighbors that someone had broken into it and moved into the house...it was empty and the bank had not sold it and had taken possession of it (my ex-husband bankrupted our family and did not tell me till we were about to lose the house) Duke should have turned off the power since I was no longer in-statePlease amend thisIf you need proof of my Residency (California) let me know, but I imagine you can gather that information with tax records Final Business Response / [redacted] (4000, 9, 2015/07/29) */ Contact Name and Title: Gary ***-Compliance Mgr Dear Ms [redacted] Thank you for notifying our agency regarding the consumer's responseWe have contacted the creditor to confirm the information provided by Ms [redacted] According to their records, she called the creditor 7/10/requesting service start 7/11/She gave her primary phone number of XXX-XXX-XXXX and [redacted] N [redacted] CA as her current locationShe called 2/27/at 3:pm and discussed turning off gas and she said she would call back to schedule turn offOn 5/8/the creditor tried to contact customer with new phone number (XXX-XXX-XXXX) and left message to contact them regarding access to gas meter for turn offNo responseThe electric was disconnected for nonpayment 11/5/and the gas was disconnected at the curb for nonpayment 7/25/ The Hamilton County Auditor website shows sale date was 11/20/from [redacted] to [redacted] There is no record of a request for disconnect in Prior to service in [redacted] 's name the service was in [redacted] name (according to Lexis she has a last name of [redacted] They have a request for disconnect from [redacted] for 7/but was cancelled when [redacted] (see above) requested service in her name Regardless of her place of residence it appears the consumer did, in fact, establish service in her name and failed to disconnect itIf the consumer has additional information to provide, we would be happy to review it Sincerely, [redacted] Compliance Manager OFFER:
Initial Business Response / [redacted] (1000, 5, 2017/05/10) */ Thank you for notifying our agency about this matterWe have conducted a reasonable investigation of the information you submittedThe account in question was placed by Duke Energy Florida on 9/23/We mailed a letter to the property address in Orlando on 9/25/It was the only address we had on file There is no evidence regarding incomplete or inaccurate information explaining the reason for the request that we remove the information from her credit fileWe have reported all information accurately as required of data furnishers by the Fair Credit Reporting ActIf the consumer has additional information for us to consider with regard to his request we will be happy to review it I appreciate the opportunity to work with your office in clearing up this matterPlease don't hesitate to contact me if I can be of further assistance Sincerely, [redacted] Compliance Manager Helvey & Associates Initial Consumer Rebuttal / [redacted] (3000, 7, 2017/05/11) */ (The consumer indicated he/she DID NOT accept the response from the business.) Thank you for your responseThe bill was sent to Orlando address which is property service address but we live in California and have lived on [redacted] XXXXX for last yearsThis is the address we provided as billing address when we opened the account with Duke energy back in Later when our tenants moved in they provided Duke energy with their address for sending the bill which was the Orlando addressWhen tenants moved out Duke energy billed me but never sent bill on my residence/ billing address which was same as when I provided my details to them back in I guess Duke energy kept my name and social sec but lost my billing/residence address resulting in sending the bill to the property address in Orlando which we never receivedHelvey and associates was also not given my billing address correctly by Duke energy as they lost it in their recordsAs a result I never received any collection letter All I am requesting is to not penalize my credit report for no fault of mineI had already paid the collection as soon as I saw it on my credit back in JanuaryHad I received the bill at my correct address I would have paid it promptlyPlease consider my request its hurting me financially for no fault of mineI had no knowledge that Duke energy will put the bill in my name without having my billing address Regards, [redacted] Final Consumer Response / [redacted] (2000, 11, 2017/05/12) */ (The consumer indicated he/she ACCEPTED the response from the business.) Thank you for helping me with my request, really appreciate it Final Business Response / [redacted] (4000, 9, 2017/05/12) */ Dear Ms [redacted] Thank you for notifying our agency about this matterWe have conducted a reasonable investigation of the information you submitted While we have reported all information accurately as permitted by the FCRA, as a courtesy we are requesting this account be removed from the consumer's credit file I appreciate the opportunity to work with your office in clearing up this matterPlease don't hesitate to contact me if I can be of further assistance Sincerely, [redacted] HR & Compliance Manager Helvey & Associates, Inc
Initial Business Response / [redacted] (1000, 5, 2017/09/20) */ Thank you for notifying our agency about this matterWe have conducted a reasonable investigation of the information you submittedThe consumer has previously filed this complaint and complained to the CFPB as wellThe account in question was placed by Duke Energy Florida on 9/28/The validation period expired last year but we have complied with the consumer's request and mailed the required documentation on 3/22/We also marked the account as disputed as stated in our CFPB response to the consumer There is no evidence regarding incomplete or inaccurate information explaining the reason for the request that we remove the information from his credit fileWe have reported all information accurately as required of data furnishers by the Fair Credit Reporting ActIf the consumer has additional information for us to consider with regard to his request we will be happy to review it I appreciate the opportunity to work with your office in clearing up this matterPlease don't hesitate to contact me if I can be of further assistance Sincerely, [redacted] Compliance Manager Helvey & Associates
Initial Business Response / [redacted] (1000, 5, 2016/02/17) */ Contact Name and Title: [redacted] ***-Compliance Mgr Contact Phone: XXX-XXX-XXXX Contact Email: [redacted] @hlv.com Dear Ms [redacted] We have conducted a reasonable investigation of the information you submittedWe don't have enough information to determine the identify of the consumer involvedWe need either account number(s) or a full (non-truncated) social security number Because we currently are unable to locate any accounts under the name you provided with a matching address, and there are no accounts in our system with the phone number provided, we are unable to address the consumer's concernsWhen we receive the requested information we will review this further We appreciate the opportunity to work with your office to clear up this matterPlease don't hesitate to contact us if we can be of further assistance Sincerely, [redacted] Compliance Manager OFFER: Initial Consumer Rebuttal / [redacted] (3000, 7, 2016/02/18) */ (The consumer indicated he/she DID NOT accept the response from the business.) This raises concerns that you collected from the wrong personPlease provide documentation tying me to this debtMy personal information is as follows: [redacted] M [redacted] SS# XXX-XX-XXXX Woodshire Drive, Apt Fort Wayne, IN XXXXX (XXX) XXX-XXXX I do not have an account number on recordIf you cannot verify this account please contact the credit bureau(s) to have this deleted from my report Final Business Response / [redacted] (4000, 22, 2016/03/17) */ Dear Ms [redacted] We mailed an itemized statement to the consumer today detailing charges and paymentsWe hope this will resolve the issue Best regards, [redacted] Compliance Manager
Initial Business Response / [redacted] (1000, 5, 2015/06/11) */ Contact Name and Title: [redacted] ***-Compliance Mgr Contact Phone: XXX-XXX-XXXX Contact Email: [redacted] @hlv.com Thank you for notifying our agency about this matter. We have conducted a reasonable investigation of the information you submitted.... The account in question was placed for collection November 21, 2014. We only received change of address notification when we sent our second notice on January 29, 2015. It is our practice to request that the consumer's credit file be updated as a paid collection account as required by the Fair Credit Reporting Act. That information is reported monthly by tape. Consumer reporting agencies may take up to 30 days or longer to update consumer reports and this is beyond our control. There is no evidence to suggest that we made any statement about removing the tradeline from the consumer's credit report. OFFER: There is no evidence regarding incomplete or inaccurate information explaining the reason for the request that we remove the information from her credit file. However, it appears that there may have been some confusion concerning how the account would be handled once paid and we made a decision to request removal of the account from the consumer's credit. I appreciate the opportunity to work with your office in clearing up this matter. Please don't hesitate to contact me if I can be of further assistance. Sincerely, [redacted] HR & Compliance Manager Helvey & Associates, Inc.
Initial Business Response / [redacted] (1000, 5, 2016/06/20) */ Dear Ms [redacted] Thank you for notifying our agency about this matterWe have conducted a reasonable investigation of the claim made by Ms [redacted] and have reviewed and considered all the information submitted by you The account in question was originally placed for collection with our office on 8/11/by Ben [redacted] We sent an initial notice to the consumer on 8/13/to the same address that she providedWe sent additional notices as well Additionally, we performed a bankruptcy scrub, as is our standard practice, on the day the account was assigned to usThere was no record of this account being included in a bankruptcyWe have never been contacted by the consumer If the consumer has information showing that this account was included in a bankruptcy we would be happy to review itIn the meantime, we are marking the account disputed which will update the consumer's credit report accordingly We have reported all information accurately as required of data furnishers by the Fair Credit Reporting ActIf the consumer has additional information for us to consider with regard to her request we will be happy to review it I appreciate the opportunity to work with your office in clearing up this matterPlease don't hesitate to contact me if I can be of further assistance Sincerely, [redacted] D [redacted] Compliance Manager
Initial Business Response /* (1000, 5, 2017/08/02) */
Dear Ms***
Thank you for notifying our agency about this matterWe have conducted a reasonable investigation of the claim made by Mr*** and have reviewed and considered all the information submitted by you
The
account in question was placed for collection by *** *** on 4/30/We mailed letters to the address provided by the consumer on 5/3/and 7/7/We received payment by check from the consumer and posted it on 9/17/The account is paid in full
We have reported all information accurately as required of data furnishers by the Fair Credit Reporting ActIf the consumer has additional information for us to consider with regard to her request we will be happy to review itI appreciate the opportunity to work with your office in clearing up this matterPlease don't hesitate to contact me if I can be of further assistance
Sincerely,
*** ** ***
Compliance Manager
Initial Business Response /* (1000, 5, 2016/05/23) */
Dear MsAnciani-Dutt,
Thank you for notifying our agency about this matterThe account in question was placed by Duke Energy on 7/7/in the amount of *** Our agent explained to the consumer that the balance should be paid in full by
7/27/to ensure that his credit would not be affected
The consumer made payments to our office by phone on 8/14/15, 9/11/and 9/29/Because of conversations with the consumer we sent a Universal Data Form to the credit bureaus on 10/2/to expedite updating the status of the account to show paid in full
I appreciate the opportunity to work with your office in clearing up this matterPlease don't hesitate to contact me if I can be of further assistance
Sincerely,
*** D***
Compliance Manager
Initial Business Response /* (1000, 5, 2016/03/08) */
Contact Name and Title: *** ***-Compliance Mgr
Contact Phone: XXX-XXX-XXXX
Contact Email: ***@hlv.com
Dear MsAnciani-Dutt:
We have conducted a reasonable investigation of the information the consumer submittedWe have made a
total of calls to the phone subscriber's number in and have had no contactAt no point were we ever contacted and told that the consumer we wished to speak with didn't live thereWe are not attempting to collect anything from Ms***
We removed Ms***'s phone number from the account to prevent possible future callsI appreciate the opportunity to work with your office in clearing up this matterPlease don't hesitate to contact me if I can be of further assistance
Sincerely,
*** D***
Compliance Manager
Helvey & Associates, Inc
OFFER:
Initial Consumer Rebuttal /* (2000, 7, 2016/03/11) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Thank you, thank you, Revdex.com, for helping me with thisAfter learning that Helvey was a real company, I did call them but they didn't tell me why they called in the first placeHowever, they said they won't call again, as their message to you also statesIt was very strangeAnd again thank you
Initial Business Response /* (1000, 5, 2015/06/11) */
Contact Name and Title: *** ***-Compliance Mgr
Contact Phone: XXX-XXX-XXXX
Contact Email: ***@hlv.com
Thank you for notifying our agency about this matterWe have conducted a reasonable investigation of the information you submitted
The account in question was placed for collection August 5, We did indeed request that the consumer's credit file be updatedThat information is reported monthly by tapeIt typically happens near the beginning of each month
To speed the process along, we made a decision to send an electronic UDF on June 8thThis is done to update the file before the next monthly reportingConsumer reporting agencies may take up to days or longer to update consumer reports and this is beyond our control
I appreciate the opportunity to work with your office in clearing up this matterPlease don't hesitate to contact me if I can be of further assistance
Sincerely,
*** ***
Compliance Manager
Helvey & Associates
OFFER:
Initial Business Response /* (1000, 5, 2017/05/23) */
Dear Ms***
Thank you for notifying our agency about this matterWe have conducted a reasonable investigation of the claim made by Ms*** and have reviewed and considered all the information submitted by you
We don't have
enough information to determine the identity of the consumer involvedThe address and phone number provided do not match our filesWe need either an account number or a full (non-truncated) social security number
Because we currently are unable to locate any accounts matching both the name and address you provided, we are not able to respond further
I appreciate the opportunity to work with your office in clearing up this matterPlease don't hesitate to contact me if I can be of further assistance
Sincerely,
*** ** ***
Compliance Manager
Initial Consumer Rebuttal /* (3000, 7, 2017/05/29) */
(The consumer indicated he/she DID NOT accept the response from the business.)
This account was associated with address XXXXX *** *** ** *** *** ** XXXXX, last four of social is ***
I have talked with several representatives who stated that this item will remain as a collection on my account even though I have paid the collection off
Final Business Response /* (4000, 10, 2017/06/01) */
We have spoken twice with the consumer last monthWhat we explained is that we reported her accounts as paid to the credit bureausWe are unable to request deletionShe claims she would have her attorney contact us
Once an account is turned over for collections it becomes eligible to be reported to a consumer's creditWe did indeed request that the consumer's credit file be updated to show that the account was paid in fullThat information is reported monthly by tapeIt typically happens near the beginning of each monthWe have also submitted a UDF (electronic request) to the credit bureaus on 5/31/to ensure that this account is showing as paid
We have reported all information accurately as required of data furnishers by the Fair Credit Reporting ActI appreciate the opportunity to work with your office in clearing up this matterPlease don't hesitate to contact me if I can be of further assistance
Sincerely,
*** ***
Compliance Manager
Helvey & Associates
Initial Business Response /* (1000, 5, 2016/06/27) */
Dear MsAnciani-Dutt,
Thank you for notifying our agency about this matterWe have conducted a reasonable investigation of the claim made by Mr*** and have reviewed and considered all the information submitted by you
The
account in question was originally placed for collection with our office on 12/9/by Duke EnergyWe sent an initial notice to the consumer on 12/12/to the same address that he providedThe notice was not returned by the post office
We have reported all information accurately as required of data furnishers by the Fair Credit Reporting ActIf the consumer has additional information for us to consider with regard to his request we will be happy to review it
I appreciate the opportunity to work with your office in clearing up this matterPlease don't hesitate to contact me if I can be of further assistance
Sincerely,
*** D***
Compliance Manager
Initial Consumer Rebuttal /* (3000, 7, 2016/06/30) */
(The consumer indicated he/she DID NOT accept the response from the business.)
To whom it may concern:
After speaking with *** with Helvey and Associates on the phone this past Monday 6/She informed me these items would be removed from my credit report on all three bureaus, so if *** could verify this and update his response, I will then accept the response from the businessThank you
*** ***
Final Business Response /* (4000, 9, 2016/07/01) */
We have requested on 6/28/that the account be removed by the consumer reporting agenciesConsumer reporting agencies may Lake up to days or longer to update consumer reports and this is beyond our control
I appreciate the opportunity to work with your office in clearing up this matterPlease don't hesitate to contact me if I can be of further assistance
Sincerely,
*** D***
Compliance Manager
Final Consumer Response /* (2000, 11, 2016/07/05) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Thank you for the correction to this reporting, I greatly appreciate it
Initial Business Response /* (1000, 5, 2017/07/05) */
Dear Ms***
Thank you for notifying our agency about this matterWe have conducted a reasonable investigation of the claim made by Mr*** and have reviewed and considered all the information submitted by you
We don't
have enough information to determine the identify of the consumer involvedWe need either account numbers or a full (non-truncated) social security number
Because we currently are unable to locate any accounts matching both the name and address you provided, we are not able to respond further
I appreciate the opportunity to work with your office in clearing up this matterPlease don't hesitate to contact me if I can be of further assistance
Sincerely,
*** ** ***
Compliance Manager
Initial Consumer Rebuttal /* (3000, 7, 2017/07/07) */
(The consumer indicated he/she DID NOT accept the response from the business.)
No I need proof of validation that I signed a contract with them for goods or services
Final Business Response /* (4000, 9, 2017/07/07) */
Dear Ms***
As I indicated previouslyWe need either account numbers or a full (non-truncated) social security number to determine the identity of the consumerAt this time, we are unable to locate any accounts matching both the name and address you provided and we are not provide validation
I appreciate the opportunity to work with your office in clearing up this matterPlease don't hesitate to contact me if I can be of further assistance
Sincerely,
*** ** ***
Compliance Manager
Initial Business Response /* (1000, 5, 2016/05/24) */
Dear Ms***
Thank you for notifying our agency about this matterWe have conducted a reasonable investigation of the information you submitted
The account in question was placed for collection February 12, We contacted
the creditor to investigate the consumer's claimThe charges were for "basic life support" after a traffic accidentThe consumer was never transportedAt the creditor's request, we have cancelled the account from our system and will not be collecting the balance
I appreciate the opportunity to work with your office in clearing up this matterPlease don't hesitate to contact me if I can be of further assistance
Sincerely,
*** D***
HR & Compliance Manager
Helvey & Associates, Inc
Initial Consumer Rebuttal /* (2000, 7, 2016/05/26) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Thank you for your time on this matterI appreciate your business
Initial Business Response /* (1000, 5, 2016/05/16) */
Dear MsAnciani-Dutt,
Thank you for notifying our agency about this matterWe are unable to determine which specific account the consumer is referring toWe do show accounts as paid and have reported such to the credit bureausIf the
consumer can provide information or a copy of a credit report showing something other than a paid collection account, we will be happy to look into the matter further
I appreciate the opportunity to work with your office in clearing up this matterPlease don't hesitate to contact me if I can be of further assistance
Sincerely,
*** D***
Compliance Manager
Initial Consumer Rebuttal /* (3000, 7, 2016/05/17) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Attached is a screenshot of my credit report from minutes ago from TransUnion which shows the account as still being reported with a Balance of *** The account is being reported as having a balance of *** to both Trans Union and Equifax
This is the only account of mine which has been reported to crediting agencies so the statement of me having three accounts is a lie, the fact that it was reported to credit agencies as paid is a lieAs their reporting has cost me housing I demand the account be removed from my report and an apology from the company
The response from Helvey and Associates is unacceptable to me
Final Consumer Response /* (4200, 11, 2016/05/17) */
(The consumer indicated he/she DID NOT accept the response from the business.)
There is sufficient evidence to report that the company is falsely reporting data and their reports have caused me to be homeless and not be approved for an apartment
Final Business Response /* (4000, 9, 2016/05/17) */
Dear Ms*** ***
The account in question was placed on 02/12/by Consumers EnergyPayment was recorded in our office on May 4, We report updated information monthlyThe file will show the account paid in fullConsumer reporting agencies may take up to days or longer to
update consumer reports and this is beyond our control
There is no evidence regarding incomplete or inaccurate information explaining the reason for the request that we remove the information from the consumer's credit fileWe have reported all information accurately as required of data furnishers by the Fair Credit Reporting Act
Sincerely,
*** ***
HR & Compliance Manager
Helvey & Associates
Initial Business Response /* (1000, 5, 2017/12/13) */
Thank you for notifying our agency about this matterWe have conducted a reasonable investigation of the information you submittedThe account in question was placed by *** *** on 6/9/We mailed numerous letters to a number
of addresses since that time
We recently received our first communication from the consumer dated 12/4/In this letter she requested validation and that we cease communication by phoneThe validation period passed *** years ago but we will send the requested information when it becomes available from the original creditor
We're been licensed to collect in Michigan for yearsOur license number is XXXXXXXXXX
There is no evidence regarding incomplete or inaccurate information explaining the reason for the request that we remove the information from her credit fileWe have reported all information accurately as required of data furnishers by the Fair Credit Reporting ActIf the consumer has additional information for us to consider with regard to her request we will be happy to review it
I appreciate the opportunity to work with your office in clearing up this matterPlease don't hesitate to contact me if I can be of further assistance
Sincerely,
*** ***
Compliance Manager
Helvey & Associates
Initial Consumer Rebuttal /* (3000, 7, 2017/12/14) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I have NEVER received a letter from this companyIn addition the response lists *** ***? I have never been a resident of Florida so it would be impossible for me to utilize energy services from ***Again Helvey & Associates please VALIDATE this debt with MY original documents and I will assume responsibility, however you know as I do that those documents do not exist so DELETE THIS UNVALIDATED ACCOUNT IMMEDIATELY! You have sent notifications to multiple addresses? Really? Well I have not lived in multiple places since so why? Oh I know because you DID NOT! Validate in compliance with the law is my requestIf you have the documents produce them!
Final Business Response /* (4000, 9, 2017/12/14) */
Please accept my apology for mistyping the earlier responseConsumers Energy is located in MichiganWe mailed to multiple addresses because the National Change of Address system has shown a number of addresses for the consumer since As I previously stated, we will mail the requested information as soon as it becomes availableWe only just received the request last week
Best regards,
*** ***
Compliance Manager
Helvey & Associates
Initial Business Response /* (1000, 5, 2017/06/14) */
Thank you for notifying our agency about this matterWe have conducted a reasonable investigation of the information you submittedThe account in question was placed for collection by Duke Energy Progress on 1/17/We mailed a letter to the
consumer on 1/20/and 3/26/Neither letter was returned
There is no evidence regarding incomplete or inaccurate information explaining the reason for the request that we remove the information from her credit fileWe have reported all information accurately as required of data furnishers by the Fair Credit Reporting ActIf the consumer has additional information for us to consider with regard to his request we will be happy to review it
I appreciate the opportunity to work with your office in clearing up this matterPlease don't hesitate to contact me if I can be of further assistance
Sincerely,
*** ***
Compliance Manager
Helvey & Associates
Initial Consumer Rebuttal /* (3000, 7, 2017/06/14) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I never received any letter about this accountI was not provided a debt validation in which a signature was onI am not responsible for this debt and would like for it to be deleted from my credit reportNext steps will be to file a complaint with the CFPB
Final Business Response /* (4000, 9, 2017/06/15) */
The consumer never requested validation, which must be done in writing, and the period required by law has expiredRegardless, we will mark the account as disputed and send validationNo signature is required for this document
There is no evidence regarding incomplete or inaccurate information explaining the reason for the request that we remove the information from her credit fileWe have reported all information accurately as required of data furnishers by the Fair Credit Reporting ActIf the consumer has additional information for us to consider with regard to her request we will be happy to review it
I appreciate the opportunity to work with your office in clearing up this matterPlease don't hesitate to contact me if I can be of further assistance
Sincerely,
*** ***
Compliance Manager
Helvey & Associates
Initial Business Response /* (1000, 5, 2016/08/05) */
Dear Ms***
Thank you for notifying our agency about this matterWe have conducted a reasonable investigation of the claim made by Mr*** and have reviewed and considered all the information submitted by you
The account
in question was originally placed for collection with our office on 3/17/by *** EnergyWe never received payment from the consumer for this account
He claims to have paid the final bill on 12-15-- however, service didn't end in his name until 2-05-He paid *** Energy directly but not until 01/04/(years after he claims the payment was made and almost year after the account was assigned to us)
He sent a copy of his online bill pay showing a payment made to *** Energy in the amount of *** in December but nothing to prove that was the final billIt would appear this was just a regular monthly paymentThis account remains as a paid collection listing on the consumer's credit because it was paid several months after it was initially placed
I appreciate the opportunity to work with your office in clearing up this matterPlease don't hesitate to contact me if I can be of further assistance
Sincerely,
*** D***
Compliance Manager
I am rejecting this response because: AS I CORRESPONDED BEFOREYOU ARE REPORTING DEROGATORY MARKS ON MY CONSUMER REPORT AND I HAVE NO DOCUMENTATION OF CONTRACT WITH YOUR COMPANY OR "MEETING OF THE MINDS."