United Credit Service, Inc.

Here is what section 623 (7)(A) states:(7) Negative Information(A) Notice to Consumer Required(i) In general. If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 603(p)...

furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer.United Credit Service Inc is not a financial institution that extends credit in the regular course of its business.  Further, we are not required to give the "mini Miranda" 5 days before we place a derogatory item on a credit report.  Further, we have not violated FCRA or FDCPA in any alleged communications we have had.  Other than the information Mr. [redacted] has provided, I am unable to confirm or deny the existence of a debt without Mr. [redacted] authorizing me in writing that I may make such disclosure to any third party.  I will again state, we have not violated any state or federal statute with regard to Mr. [redacted] or any other individual we have communications with.  If Mr. [redacted] wishes to authorize me in writing to disclose certain information I would be happy to discuss his comments further.  Mr. [redacted] does not share any  factual information in his complaint.  He makes accusations and quotes statutes, damage awards, defamation, etc.  which he has obtained from the Internet to make you believe he is knowledgeable in his complaint.  I will assert he is not.His complaint states the desired outcome to remove alleged account information from his credit report or he will pursue  this further with [redacted] FDCPA and FCRA national Attorney...As a US Citizen, that is and will always be his right to do.  I believe the actions taken by my company will be proved to be completely lawful when the day comes and we are made to address our actions.  United Credit Service, Inc. operates within the laws, legal and moral.  Sincerely,[redacted], Vice President[redacted]

Review: United Credit Services never made any attempt to collect this debt. They had the wrong phone number but they had the right address. They claimed to have called several times but never sent any letters to try and collect a debt for medical bills I didn't know I had. I found out about this debt because I have been monitoring my credit scores and they added the debt to my credit report on 02-21-14 and on 02-25-14 I received a letter from their lawyer threatening to sue me for the unpaid medical bills. So the letter from the lawyer was the first time they had tried to contact me. Now because they hired a lawyer they are adding interest and lawyer fees which seems to be a convenient way for them to maliciously add charges to make money. I called the hospital that they were trying to collect for and paid the bill in full, after this I called United Credit to let them know the debt has been taken care of and they got really rude with me on the phone and told me I wasn't allowed to pay my debt to them. So the bottom line is that they do not try to make contact to collect the debt and go immediately to the lawyer so they can add fees and the lady said they don't have to make contact because it is not required by law. They are very unethical!Desired Settlement: I want the interest and lawyers fees dismissed and I want this debt removed from my credit report as it has been pain in full and if they would've actually make any attempt to collect this debt it would have been paid before it made it on my credit report.

Business

Response:

Dear Revdex.com,

I would love to respond to this complaint, but because of the privacy laws and the Federal Fair Debt Collection Practices Act I am unable to do so without a written release from the consumer. I do not have a written release that would allow me to even acknowledge that a debt exists in the consumer name, therefore I am unable to comment. If you are able to obtain such a release I would gladly respond in detail to this complaint. I will state in general terms that we do send written notice(s) asking for payment of a debt, we do make telephone calls and leave voice messages for return calls, and we do not file a lawsuit until we've exhausted all other avenues to obtain voluntary payments. When a consumer has received a summons and complaint from the court, it would be after multiple attempts by this office and at least two written attempts by the attorney asking for payment. We do not tell anyone they can't pay us as that is our job, to obtain payment. We do not harass, demean or talk in any way that would be considered unprofessional, on the otherhand, we do talk with consumers who often use very colorful language. You can judge this complaint for yourself and deduce if it sounds truthful or not. Again, I can only discuss details when I have a written release from the consumer making such a dispute.

Sincerely,

United Credit Service, Inc.

Review: The basis for my dispute is “ UNITED CREDIT SRVC” [redacted]

was required to notify me prior to 1/9/2015, or no later than 30 days after furnishing the negative

information to credit bureau reports, in writing...under such section 623, subsection (7)(A).

However, in my records I am unable to locate documentation you complied with this requirement,

which is a violation of the FCRA & FDCPA.

Also, UNITED CREDIT SRVC failed to give me my "Mini-Miranda" five days prior to placing this

derogatory item on all of my credit reports, per Section 807(11) & FDCPA §809, which is $1000

per violation and the state of WI allows treble damages.

Under § 809. Validations of date and Mini-Mirandi under Section 807(1) UNITED CREDIT SRVC

failed to send me my initial communication before placing this alleged item on my credit reports

further violating the FCRA, with $1000 per violation.

UNITED CREDIT SRVC is held liable as well for defamation and in the state ofWI a creditor is who

collects their on debt is considered a debt collector under TDCPA.Smith v. Heard 980

S.W.2d693(Tex.App-San Antonio 1989 reh.den.)citingMonroe v. Frank 936 S.W.2d 654(Tex.AppDallas

1996 writ dism'd w.o.j.)Desired Settlement: I will if the account is not taken back and removed from any and all credit bureau reports, I will turn

this over to [redacted] FDCPA and FCRA national Attorney to look and take over this complaint.

Therefore, provide me documentation of notification (i.e. a copy of the notification sent), and proof

that it was delivered to me in a timely manner (i.e. a dated certified mail delivery confirmation with

my signature).. 30 days before or 30 days after ( 1/9/2015) the date it was opened with the

bureaus as you have listed

Business

Response:

Here is what section 623 (7)(A) states:(7) Negative Information(A) Notice to Consumer Required(i) In general. If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 603(p) furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer.United Credit Service Inc is not a financial institution that extends credit in the regular course of its business. Further, we are not required to give the "mini Miranda" 5 days before we place a derogatory item on a credit report. Further, we have not violated FCRA or FDCPA in any alleged communications we have had. Other than the information Mr. [redacted] has provided, I am unable to confirm or deny the existence of a debt without Mr. [redacted] authorizing me in writing that I may make such disclosure to any third party. I will again state, we have not violated any state or federal statute with regard to Mr. [redacted] or any other individual we have communications with. If Mr. [redacted] wishes to authorize me in writing to disclose certain information I would be happy to discuss his comments further. Mr. [redacted] does not share any factual information in his complaint. He makes accusations and quotes statutes, damage awards, defamation, etc. which he has obtained from the Internet to make you believe he is knowledgeable in his complaint. I will assert he is not.His complaint states the desired outcome to remove alleged account information from his credit report or he will pursue this further with [redacted] FDCPA and FCRA national Attorney...As a US Citizen, that is and will always be his right to do. I believe the actions taken by my company will be proved to be completely lawful when the day comes and we are made to address our actions. United Credit Service, Inc. operates within the laws, legal and moral. Sincerely,[redacted], Vice President[redacted]