Initial Business Response /* (1000, 5, 2017/12/18) */
Dear Ms. [redacted]
Thank you for notifying our agency about this matter. We have conducted a reasonable investigation of the information provided by the consumer. The account was originally placed by Duke Energy Florida with our office on...
9/25/17. This is a final meter reading for a closed account for the address [redacted], FL XXXXX. We 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 valid. We 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 file. We have reported all information accurately as required of data furnishers by the Fair Credit Reporting Act. If 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 matter. Please don't hesitate to contact me if I can be of further assistance.
Sincerely,
[redacted]
Compliance Manager
Helvey & Associates
Initial Consumer Rebuttal /* (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 them. I NEVER HAD ANY DEALINGS WITH [redacted]. I am saying this is under penalty of perjury. I sent an affidavit to Helvey and Associates and they must respond under penalty of perjury as well. I DON'T [redacted] AND I DON'T KNOW HELVEY. They can't just put stuff on people's file.
Final Business Response /* (4000, 9, 2017/12/21) */
We have conducted a reasonable investigation of the information you submitted. We have updated our records to show the account as disputed and have requested that the credit bureaus mark their records accordingly. We 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 claim. The 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 10 days in order for us to properly handle the dispute. When we receive the requested information we will review this further.
We appreciate the opportunity to work with your office to clear up this matter. Please don't hesitate to contact us if we can be of further assistance.
Initial Business Response /* (1000, 5, 2016/04/15) */
Dear Ms. [redacted]
Thank you for notifying our agency about this matter. We apologize for the delay in providing the requested validation information. It was mailed to the consumer on 4/13/16. The account was paid in full in April,...
2013.
In acknowledgement of the dispute, we have requested the account be reported with consumer reporting agencies as disputed. Consumer reporting agencies may Lake up to 30 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 matter. Please don't hesitate to contact me if I can be of further assistance.
Sincerely,
[redacted] D. [redacted]
Compliance Manager
Initial Consumer Rebuttal /* (3000, 7, 2016/04/15) */
(The consumer indicated he/she DID NOT accept the response from the business.)
This company failed to respond within 30 days to the validation request sent to them on February 17, 2016 and only responded now because the Revdex.com got involved. Remove the debt or I will file a suit for violations of the Fair Debt Collection Practices Act.
Final Consumer Response /* (4200, 11, 2016/04/19) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The CFPB requires your company as a data furnisher to comply with FDCPA, FCRA and other federal statutes. Note that section 1681s-2(b) of the Fair Credit Reporting Act creates a cause of action for a consumer against a furnisher of erroneous credit information (Nelson v. Chase Manhattan). I am formally requesting that you validate all tradeline notations you have submitted to the credit bureaus by Helvey & Associates or Duke Energy Progress for account number XXXXXXX.
Final Business Response /* (4000, 13, 2016/04/22) */
Dear [redacted]
As I previously stated, validation was mailed to the consumer on 4/13/16. Because we have done exactly what was requested I truly don't understand what the continued complaint pertains to. We trust that the issue is sufficiently resolved.
Sincerely,
[redacted] D. [redacted]
Compliance Manager
Thank you for notifying our agency about this matter. We have conducted a reasonable investigation of the claim made by the consumer and have reviewed and considered all the information submitted by you. We don't have enough information to determine the identity of the consumer involved. We 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 matter. Please don't hesitate to contact me if I can be of further assistance. Sincerely, [redacted] Compliance Manager
Initial Business Response /* (1000, 5, 2017/09/20) */
Thank you for notifying our agency about this matter. We have conducted a reasonable investigation of the information you submitted. The consumer has previously filed this complaint and complained to the CFPB as well. The account in question was...
placed by Duke Energy Florida on 9/28/16. The validation period expired last year but we have complied with the consumer's request and mailed the required documentation on 3/22/17. 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 file. We have reported all information accurately as required of data furnishers by the Fair Credit Reporting Act. If 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 matter. Please don't hesitate to contact me if I can be of further assistance.
Sincerely,
[redacted]
Compliance Manager
Helvey & Associates
Initial Business Response /* (1000, 5, 2017/05/10) */
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 by Duke Energy Florida on 9/23/16. We mailed a letter to the property address...
in Orlando on 9/25/16. 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 file. We have reported all information accurately as required of data furnishers by the Fair Credit Reporting Act. If 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 matter. Please don't hesitate to contact me if I can be of further assistance.
Sincerely,
[redacted]
Compliance Manager
Helvey & Associates
Initial Consumer Rebuttal /* (3000, 7, 2017/05/11) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Thank you for your response. The bill was sent to Orlando address which is property service address but we live in California and have lived on [redacted] XXXXX for last 7 years. This is the address we provided as billing address when we opened the account with Duke energy back in 2010. Later when our tenants moved in they provided Duke energy with their address for sending the bill which was the Orlando address. When 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 2010. 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 received. Helvey and associates was also not given my billing address correctly by Duke energy as they lost it in their records. As a result I never received any collection letter.
All I am requesting is to not penalize my credit report for no fault of mine. I had already paid the collection as soon as I saw it on my credit back in January. Had I received the bill at my correct address I would have paid it promptly. Please consider my request its hurting me financially for no fault of mine. I had no knowledge that Duke energy will put the bill in my name without having my billing address.
Regards,
[redacted]
Final Consumer Response /* (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 /* (4000, 9, 2017/05/12) */
Dear Ms. [redacted]
Thank you for notifying our agency about this matter. We 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 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 /* (1000, 15, 2015/12/22) */
We have conducted an investigation of the information submitted by the consumer. The account was a final energy bill placed by [redacted] on 9/3/15. The billing included charges through 8/3/15. We sent notices to the consumer...
on 9/6/15 and 11/12/15. They were not returned as undeliverable. We called the number on file provided by the consumer 27 times but our calls were never answered.
All accounts are given 45 days for payment before being reported to the national credit bureaus. Ample time has been provided to make arrangements to pay the balance.
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 file. We have reported all information accurately as required of data furnishers by the Fair Credit Reporting Act. If the consumer has additional information for us to consider with regard to the request we will be happy to review it.
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.
Initial Consumer Rebuttal /* (3000, 17, 2015/12/22) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I paid my balance in full before moving according to the website in question. I never received a final bill stating otherwise even with a forwarding address on file with the post office.
I will pay the balance if I receive by mail an invoice directly from progress energy showing what I owe. The invoice from the collector has no specific data and with the letter having three different addresses in three different states I am leery of their authenticity.
Initial Business Response /* (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 submitted. We don't have enough...
information to determine the identify of the consumer involved. We 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 concerns. When we receive the requested information we will review this further.
We appreciate the opportunity to work with your office to clear up this matter. Please don't hesitate to contact us if we can be of further assistance.
Sincerely,
[redacted]
Compliance Manager
OFFER:
Initial Consumer Rebuttal /* (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 person. Please provide documentation tying me to this debt. My personal information is as follows:
[redacted] M [redacted]
SS# XXX-XX-XXXX
5628 Woodshire Drive, Apt 5
Fort Wayne, IN XXXXX
(XXX) XXX-XXXX
I do not have an account number on record. If you cannot verify this account please contact the credit bureau(s) to have this deleted from my report.
Final Business Response /* (4000, 22, 2016/03/17) */
Dear Ms. [redacted]
We mailed an itemized statement to the consumer today detailing charges and payments. We hope this will resolve the issue.
Best regards,
[redacted]
Compliance Manager
Initial Business Response /* (1000, 5, 2015/07/20) */
Contact Name and Title: Gary Gross-Compliance Mgr
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@hlv.com
Dear Ms. Anciani-Dutt,
Thank you for notifying our agency about this matter. We 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 9/10/14 by Duke Energy Ohio and Kentucky. We sent a notice to the consumer on 9/12/14. 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 creditor. The number was not valid.
Once an account is turned over for collections it becomes eligible to be reported to a consumer's credit. Because the account hasn't been paid in full, it was reported as an unpaid collection account. If 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 file. We have reported all information accurately as required of data furnishers by the Fair Credit Reporting Act. If 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 matter. Please don't hesitate to contact me if I can be of further assistance.
Sincerely,
[redacted]
Compliance Manager
OFFER:
Initial Consumer Rebuttal /* (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, 2012. 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 on. I 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-state. Please amend this. If you need proof of my Residency (California) let me know, but I imagine you can gather that information with tax records.
Final Business Response /* (4000, 9, 2015/07/29) */
Contact Name and Title: Gary [redacted]-Compliance Mgr
Dear Ms. [redacted]
Thank you for notifying our agency regarding the consumer's response. We have contacted the creditor to confirm the information provided by Ms. [redacted].
According to their records, she called the creditor 7/10/13 requesting service start 7/11/13. She gave her primary phone number of XXX-XXX-XXXX and [redacted] N [redacted] CA as her current location. She called 2/27/14 at 3:30 pm and discussed turning off gas and she said she would call back to schedule turn off. On 5/8/14 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 off. No response. The electric was disconnected for nonpayment 11/5/13 and the gas was disconnected at the curb for nonpayment 7/25/14.
The Hamilton County Auditor website shows sale date was 11/20/14 from [redacted] to [redacted]
There is no record of a request for disconnect in 2012. 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 7/2013 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 it. If the consumer has additional information to provide, we would be happy to review it.
Sincerely,
[redacted]
Compliance Manager
OFFER:
Thank you for notifying our agency about this matter. We have conducted a reasonable investigation of the information you submitted. With the consumer’s help we have been able to locate the proper account. The account in question was placed by [redacted] on 11/23/15. We mailed a letter to the consumer, which was returned in the mail. Once an account is turned over for collections it becomes eligible to be reported to a consumer's credit. Now that we are able to match the consumer with an account we will mark the account disputed. There is no evidence regarding incomplete or inaccurate information explaining the reason for the request that we remove the information from his credit file. We have reported all information accurately as required of data furnishers by the Fair Credit Reporting Act. If 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 matter. Please don't hesitate to contact me if I can be of further assistance. Sincerely, [redacted] Compliance Manager Helvey & Associates
Initial Business Response /* (1000, 5, 2016/06/20) */
Dear Ms. [redacted]
Thank you for notifying our agency about this matter. We 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 8/11/14 by Ben [redacted] We sent an initial notice to the consumer on 8/13/14 to the same address that she provided. We sent 2 additional notices as well..
Additionally, we performed a bankruptcy scrub, as is our standard practice, on the day the account was assigned to us. There was no record of this account being included in a bankruptcy. We 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 it. In 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 Act. If 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 matter. Please don't hesitate to contact me if I can be of further assistance.
Sincerely,
[redacted] D. [redacted]
Compliance Manager
Initial Business Response /* (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 /* (1000, 5, 2017/12/18) */
Dear Ms. [redacted]
Thank you for notifying our agency about this matter. We have conducted a reasonable investigation of the information provided by the consumer. The account was originally placed by Duke Energy Florida with our office on...
9/25/17. This is a final meter reading for a closed account for the address [redacted], FL XXXXX. We 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 valid. We 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 file. We have reported all information accurately as required of data furnishers by the Fair Credit Reporting Act. If 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 matter. Please don't hesitate to contact me if I can be of further assistance.
Sincerely,
[redacted]
Compliance Manager
Helvey & Associates
Initial Consumer Rebuttal /* (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 them. I NEVER HAD ANY DEALINGS WITH [redacted]. I am saying this is under penalty of perjury. I sent an affidavit to Helvey and Associates and they must respond under penalty of perjury as well. I DON'T [redacted] AND I DON'T KNOW HELVEY. They can't just put stuff on people's file.
Final Business Response /* (4000, 9, 2017/12/21) */
We have conducted a reasonable investigation of the information you submitted. We have updated our records to show the account as disputed and have requested that the credit bureaus mark their records accordingly. We 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 claim. The 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 10 days in order for us to properly handle the dispute. When we receive the requested information we will review this further.
We appreciate the opportunity to work with your office to clear up this matter. Please don't hesitate to contact us if we can be of further assistance.
Initial Business Response /* (1000, 5, 2016/04/15) */
Dear Ms. [redacted]
Thank you for notifying our agency about this matter. We apologize for the delay in providing the requested validation information. It was mailed to the consumer on 4/13/16. The account was paid in full in April,...
2013.
In acknowledgement of the dispute, we have requested the account be reported with consumer reporting agencies as disputed. Consumer reporting agencies may Lake up to 30 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 matter. Please don't hesitate to contact me if I can be of further assistance.
Sincerely,
[redacted] D. [redacted]
Compliance Manager
Initial Consumer Rebuttal /* (3000, 7, 2016/04/15) */
(The consumer indicated he/she DID NOT accept the response from the business.)
This company failed to respond within 30 days to the validation request sent to them on February 17, 2016 and only responded now because the Revdex.com got involved. Remove the debt or I will file a suit for violations of the Fair Debt Collection Practices Act.
Final Consumer Response /* (4200, 11, 2016/04/19) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The CFPB requires your company as a data furnisher to comply with FDCPA, FCRA and other federal statutes. Note that section 1681s-2(b) of the Fair Credit Reporting Act creates a cause of action for a consumer against a furnisher of erroneous credit information (Nelson v. Chase Manhattan). I am formally requesting that you validate all tradeline notations you have submitted to the credit bureaus by Helvey & Associates or Duke Energy Progress for account number XXXXXXX.
Final Business Response /* (4000, 13, 2016/04/22) */
Dear [redacted]
As I previously stated, validation was mailed to the consumer on 4/13/16. Because we have done exactly what was requested I truly don't understand what the continued complaint pertains to. We trust that the issue is sufficiently resolved.
Sincerely,
[redacted] D. [redacted]
Compliance Manager
Thank you for notifying our agency about this matter. We have conducted a reasonable investigation of the claim made by the consumer and have reviewed and considered all the information submitted by you. We don't have enough information to determine the identity of the consumer involved. We 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 matter. Please don't hesitate to contact me if I can be of further assistance. Sincerely, [redacted] Compliance Manager
Initial Business Response /* (1000, 5, 2017/09/20) */
Thank you for notifying our agency about this matter. We have conducted a reasonable investigation of the information you submitted. The consumer has previously filed this complaint and complained to the CFPB as well. The account in question was...
placed by Duke Energy Florida on 9/28/16. The validation period expired last year but we have complied with the consumer's request and mailed the required documentation on 3/22/17. 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 file. We have reported all information accurately as required of data furnishers by the Fair Credit Reporting Act. If 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 matter. Please don't hesitate to contact me if I can be of further assistance.
Sincerely,
[redacted]
Compliance Manager
Helvey & Associates
Initial Business Response /* (1000, 5, 2017/05/10) */
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 by Duke Energy Florida on 9/23/16. We mailed a letter to the property address...
in Orlando on 9/25/16. 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 file. We have reported all information accurately as required of data furnishers by the Fair Credit Reporting Act. If 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 matter. Please don't hesitate to contact me if I can be of further assistance.
Sincerely,
[redacted]
Compliance Manager
Helvey & Associates
Initial Consumer Rebuttal /* (3000, 7, 2017/05/11) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Thank you for your response. The bill was sent to Orlando address which is property service address but we live in California and have lived on [redacted] XXXXX for last 7 years. This is the address we provided as billing address when we opened the account with Duke energy back in 2010. Later when our tenants moved in they provided Duke energy with their address for sending the bill which was the Orlando address. When 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 2010. 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 received. Helvey and associates was also not given my billing address correctly by Duke energy as they lost it in their records. As a result I never received any collection letter.
All I am requesting is to not penalize my credit report for no fault of mine. I had already paid the collection as soon as I saw it on my credit back in January. Had I received the bill at my correct address I would have paid it promptly. Please consider my request its hurting me financially for no fault of mine. I had no knowledge that Duke energy will put the bill in my name without having my billing address.
Regards,
[redacted]
Final Consumer Response /* (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 /* (4000, 9, 2017/05/12) */
Dear Ms. [redacted]
Thank you for notifying our agency about this matter. We 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 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 /* (1000, 15, 2015/12/22) */
We have conducted an investigation of the information submitted by the consumer. The account was a final energy bill placed by [redacted] on 9/3/15. The billing included charges through 8/3/15. We sent notices to the consumer...
on 9/6/15 and 11/12/15. They were not returned as undeliverable. We called the number on file provided by the consumer 27 times but our calls were never answered.
All accounts are given 45 days for payment before being reported to the national credit bureaus. Ample time has been provided to make arrangements to pay the balance.
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 file. We have reported all information accurately as required of data furnishers by the Fair Credit Reporting Act. If the consumer has additional information for us to consider with regard to the request we will be happy to review it.
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.
Initial Consumer Rebuttal /* (3000, 17, 2015/12/22) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I paid my balance in full before moving according to the website in question. I never received a final bill stating otherwise even with a forwarding address on file with the post office.
I will pay the balance if I receive by mail an invoice directly from progress energy showing what I owe. The invoice from the collector has no specific data and with the letter having three different addresses in three different states I am leery of their authenticity.
Initial Business Response /* (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 submitted. We don't have enough...
information to determine the identify of the consumer involved. We 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 concerns. When we receive the requested information we will review this further.
We appreciate the opportunity to work with your office to clear up this matter. Please don't hesitate to contact us if we can be of further assistance.
Sincerely,
[redacted]
Compliance Manager
OFFER:
Initial Consumer Rebuttal /* (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 person. Please provide documentation tying me to this debt. My personal information is as follows:
[redacted] M [redacted]
SS# XXX-XX-XXXX
5628 Woodshire Drive, Apt 5
Fort Wayne, IN XXXXX
(XXX) XXX-XXXX
I do not have an account number on record. If you cannot verify this account please contact the credit bureau(s) to have this deleted from my report.
Final Business Response /* (4000, 22, 2016/03/17) */
Dear Ms. [redacted]
We mailed an itemized statement to the consumer today detailing charges and payments. We hope this will resolve the issue.
Best regards,
[redacted]
Compliance Manager
Initial Business Response /* (1000, 5, 2015/07/20) */
Contact Name and Title: Gary Gross-Compliance Mgr
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@hlv.com
Dear Ms. Anciani-Dutt,
Thank you for notifying our agency about this matter. We 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 9/10/14 by Duke Energy Ohio and Kentucky. We sent a notice to the consumer on 9/12/14. 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 creditor. The number was not valid.
Once an account is turned over for collections it becomes eligible to be reported to a consumer's credit. Because the account hasn't been paid in full, it was reported as an unpaid collection account. If 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 file. We have reported all information accurately as required of data furnishers by the Fair Credit Reporting Act. If 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 matter. Please don't hesitate to contact me if I can be of further assistance.
Sincerely,
[redacted]
Compliance Manager
OFFER:
Initial Consumer Rebuttal /* (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, 2012. 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 on. I 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-state. Please amend this. If you need proof of my Residency (California) let me know, but I imagine you can gather that information with tax records.
Final Business Response /* (4000, 9, 2015/07/29) */
Contact Name and Title: Gary [redacted]-Compliance Mgr
Dear Ms. [redacted]
Thank you for notifying our agency regarding the consumer's response. We have contacted the creditor to confirm the information provided by Ms. [redacted].
According to their records, she called the creditor 7/10/13 requesting service start 7/11/13. She gave her primary phone number of XXX-XXX-XXXX and [redacted] N [redacted] CA as her current location. She called 2/27/14 at 3:30 pm and discussed turning off gas and she said she would call back to schedule turn off. On 5/8/14 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 off. No response. The electric was disconnected for nonpayment 11/5/13 and the gas was disconnected at the curb for nonpayment 7/25/14.
The Hamilton County Auditor website shows sale date was 11/20/14 from [redacted] to [redacted]
There is no record of a request for disconnect in 2012. 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 7/2013 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 it. If the consumer has additional information to provide, we would be happy to review it.
Sincerely,
[redacted]
Compliance Manager
OFFER:
Thank you for notifying our agency about this matter. We have conducted a reasonable investigation of the information you submitted. With the consumer’s help we have been able to locate the proper account. The account in question was placed by [redacted] on 11/23/15. We mailed a letter to the consumer, which was returned in the mail. Once an account is turned over for collections it becomes eligible to be reported to a consumer's credit. Now that we are able to match the consumer with an account we will mark the account disputed. There is no evidence regarding incomplete or inaccurate information explaining the reason for the request that we remove the information from his credit file. We have reported all information accurately as required of data furnishers by the Fair Credit Reporting Act. If 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 matter. Please don't hesitate to contact me if I can be of further assistance. Sincerely, [redacted] Compliance Manager Helvey & Associates
Initial Business Response /* (1000, 5, 2016/06/20) */
Dear Ms. [redacted]
Thank you for notifying our agency about this matter. We 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 8/11/14 by Ben [redacted] We sent an initial notice to the consumer on 8/13/14 to the same address that she provided. We sent 2 additional notices as well..
Additionally, we performed a bankruptcy scrub, as is our standard practice, on the day the account was assigned to us. There was no record of this account being included in a bankruptcy. We 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 it. In 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 Act. If 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 matter. Please don't hesitate to contact me if I can be of further assistance.
Sincerely,
[redacted] D. [redacted]
Compliance Manager
Initial Business Response /* (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.