Initial Business Response / [redacted] (1000, 5, 2015/05/20) */ While our records indicate that a notice was previously sent, we have initiated a notice to this consumer at this timeThe account has been placed into a disputed status which will remove this from her credit report, thus allowing her time to review the information We have also requested an itemized statement from the original creditor and will forward that information as well The account will remain on holdShould she have further questions or concerns, I encourage her to contact me directly or to call our office at 888-982- Initial Consumer Rebuttal / [redacted] (2000, 8, 2015/05/22) */ (The consumer indicated he/she ACCEPTED the response from the business.)
We are glad to assist this consumer if she has an account on her credit report which references our company However, we are currently unable to locate any account with the information she provided The best way for her to resolve this is for her to submit a "dispute" with the credit reporting company directly They will immediately send it to Virtuoso for confirmation and we will confirm deletion.If she still would like for Virtuoso to research this, we will need additional information such as previous addresses or names under which the account may have been established Also if she can provide the last digits of her SSN and any account numbers or name of original creditor from her credit report She may feel free to contact me directly either by phone to ###-###-#### or by email to [redacted]
Thank you for contacting our office regarding the complaint of [redacted] [redacted] assigned an account to our office on 10/20/We mailed a validation letter on 10/24/to Ms [redacted] at the address provided by our clientAs a result of our research into this matter, we have requested and attached the Itemized Statement and Lease Agreement from our clientThe itemized statement shows that the debt is for billing during the time frame of 11/07/through 04/06/The balance is for one month of service and for the device on that is associated with the Lease AgreementHowever, if Mrs [redacted] is able to provide proof that the device was returned to our client, we would be able to forward that to our client to properly address the return of the equipmentWe have updated our entry to reflect Ms [redacted] disputeIf you or Mrs [redacted] have any further questions, please call Sarah B***, Director of Client Operations/Compliance Manager, Virtuoso Sourcing Group by calling 877-451-Thank you
Initial Business Response / [redacted] (1000, 5, 2015/05/13) */ We have placed this account into a disputed status and will have a letter sent to the consumer again which provides the information concerning the account and the original creditorShe will then have the opportunity to review the information and to contact us to resolve this matter The account has been deleted from the credit report and will remain in this status until she contacts us further If she has additional questions, we encourage her to contact our office toll free at 888-982-or she may contact me directly
Thank you for contacting our office regarding the complaint of [redacted] We received a credit bureau dispute on June 30, We deleted our entry from the credit report at that timeWe have also manually deleted the entry and have been provided with [redacted] as proof of the deletionIf [redacted] has any questions she may contact [redacted] ***, [redacted] , Virtuoso Sourcing Group at [redacted] Thank you
Initial Business Response / [redacted] (1000, 7, 2015/08/27) */ Our records indicate that our client, [redacted] placed this account with us in June We first became aware of this consumer's dispute when we spoke with him on 8/24/Then on 8/25/15, we received a dispute via "credit report dispute" and also by FAXWe deleted the account due to his dispute at that timeWe also placed the account into a disputed status and forwarded his information to [redacted] submitted credit to zero the balance and closed the account today We believe this should resolve this matter for the consumerIf he has further questions or concerns, he may feel free to contact me directly Initial Consumer Rebuttal / [redacted] (3000, 9, 2015/09/08) */ (The consumer indicated he/she DID NOT accept the response from the business.) I do thank the company for correcting this on my credit reports and after speaking with them, confirming that this is overThe reason I am denying this is because I am and have asked for a copy sent to me showing that it is a zero balanceAfter everything I went through with this, once I receive a document from both [redacted] and the collection company stating this is a zero balance, I will accept the outcomeThe company did state they would send me a copy for my records but that has been a while and no letter yetPlease send the letter to my home address on file Final Business Response / [redacted] (4000, 11, 2015/09/10) */ This account was credited to zero balance by the original creditor, [redacted] who also closed the account with us on 8/27/The account was also deleted from the credit report automatically upon closing We took the additional step of doing a manual online deletion and have now sent a Closed letter with the AUD reference number to this consumerWe believe that this satisfies the request of this consumerIf he would like additional information from [redacted] he will need to contact them directly Final Consumer Response / [redacted] (2000, 13, 2015/09/11) */ (The consumer indicated he/she ACCEPTED the response from the business.) Thank you very muchThis does resolve my issue and it is my hopes that [redacted] will no longer send something that has been a zero balance, to another collection agencyThank you from clearing it from my credit report as well
Since this consumer mentions that another company was "charging him with the same debt", we must assume that this pertains to the prior collection agency that Sprint had placed the account with This was assigned to Virtuoso on 3/23/and at that time, the prior agency should have deleted the account from the credit report When he paid us on 5/18/16, we were initially unaware that this consumer had opted to pay a reduced settlement amount onlineWe will review the call with the agent who he spoke with and provide any additional training as appropriate It is our goal to resolve misunderstandings when they occur As previously stated, we have deleted the account from the credit report and believe that this should resolve this matter
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Sincerely,
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Sincerely,
*** ***
Initial Business Response /* (1000, 6, 2015/04/28) */
Our records indicate that on 4/16/15, this consumer talked with a representative in our office and they were able to come up with a resolution to this accountOur records now reflect the account is settled in full
We believe that this
should resolve her concernsIf she has further questions or concerns, she may reach me directly at XXX-XXX-XXXX
Please forward them the following information:It was *** ***The address of service was *** *** *** *** ** ***The names were *** *** *** ***The account was from May 2012-August Have them contact me if they cannot find my account still
Complaint: ***
I am rejecting this response because: As of this morning the collection is still showing up on my credit report and I have still yet to receive any information requested in my DV letterTexas Finance code only allows a collection agency days from receipt of a DV letter to validate a debt and the days has been exceededThis needs to be removed from my credit report ASAP
Sincerely,
*** ***
We have located the account referenced by this consumer and show that we have already requested the validation of the debt. The account has been placed on hold and removed from the credit report. It will remain on hold and will not be credit reported while she has the opportunity
to review this information. If she has further questions, she may contact me directly at 720-5080-or by email to ***@virtuososourcing.com
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Sincerely,
*** ***
Initial Business Response /* (1000, 6, 2015/11/05) */
Our records indicate that our first contact with this consumer was on 11/4/when we received an email stating that he is a victim of fraud
We immediately placed the account into a Fraud Pending status and deleted it from the credit
reportThe AUD reference # for the deletion is XXXXXXXX
A letter was mailed to the consumer today providing the Sprint process for filing a identity theft claim
There will be no further contact from Virtuoso concerning this accountWe apologize if he feels that he was receiving no responseIt is possible that a prior agency received the information
If he has further questions or concerns, he may contact me directly
Initial Consumer Rebuttal /* (3000, 8, 2015/11/13) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I have sent this information many times with Sprint!
Final Business Response /* (4000, 10, 2015/11/18) */
We have continued to follow up with Sprint concerning this consumer's claim that he had provided them with all necessary documentation to confirm fraud/identity theft
We were able to verify today with Sprint that they have received his information and that they have placed the account in to a closed due to fraud statusThe account has already been deleted from the credit reportWe believe this should resolve this matter for the consumerIf he has any further questions or concerns, he may contact me directly
Final Consumer Response /* (2000, 12, 2015/11/19) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Initial Business Response /* (1000, 6, 2015/10/23) */
We have placed this account into a hold status and requested the detailed information about the account from XCEL EnergyThe account has been removed from the credit report at this time and will not be reported if it is determined that this is
indeed a fraudulent account
This matter pertains to a Public Service Company of Colorado account and service that ended in December Therefore, we will provide the information to the consumer to review and determine how to best resolve this
If he has further questions or concerns, he may contact me directly
Initial Consumer Rebuttal /* (2000, 8, 2015/10/27) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Thank youPlease contact me directly if and when more information about this account becomes available
Regards,
Initial Business Response /* (1000, 5, 2015/08/25) */
Our records indicate that we have a different address for this consumer but that a notice was mailed to him in June and our records do not show that it was returned
We have sent additional correspondence to him today at the new address
which he providedWe have placed this account on hold and removed it from his credit report so that he will have the opportunity to review the information
We encourage him to contact us to review the records and determine if he would like to resolve this matter
Initial Consumer Rebuttal /* (3000, 7, 2015/08/26) */
(The consumer indicated he/she DID NOT accept the response from the business.)
First, I have never received any notice probably because it was sent to a bogus address that is not mineLast year I filed an identity theft complaint with my credit bureauI never have owned a *** deviceI've been with *** for the past 10+ yearsJust want them to permanently remove this collection from all credit files
Final Business Response /* (4000, 12, 2015/10/02) */
We have placed this account into a *** *** status and have sent a "fraud packet" to the consumer which may be completed and returned to ***
The account remains on hold and has been deleted from the credit report pending the receipt of these documents
We believe that this should resolve this matter for the consumerIf he has further questions or concerns, I encourage him to contact me directly
Initial Business Response /* (1000, 5, 2015/09/08) */
We have located the account for this consumer and have updated our records with his current addressWe previously sent a letter to this him at the address provided by the original creditorOur records indicate that it was not returned
However, since he indicates that he has no information concerning the account, we have re-sent the noticeThe account has been deleted from the credit report and we have noted our records
I have asked a manager to attempt to reach him since he has experienced difficulty calling our office
We encourage this consumer to make arrangements to resolve this matter and it will not appear on his credit reportHe may also contact me directly if he prefers - either by email or by phone
This *** account was assigned to Virtuoso on 6/14/and has not been credit reported by Virtuoso at all. The account has been placed on HOLD and we have mailed this consumer a copy of his billing statements from *** which show what this balance is for. The account will remain in a
disputed status so that he will have an opportunity to review this information. If he is interested in settling this for less than the full amount, we have been authorized by *** to accept 60% of the balance due and will then close the account as Settled. If he would like to discuss this further, he may contact me directly either by email to *** or by phone to ###-###-####.I have also attached a copy of the letter which was mailed today
Thank you for contacting our office regarding the complaint of *** * ***As a result of our research into this matter, we have requested and attached the itemized statement with the service dates and addressThe itemized statement shows that the debt is for services during the time frame of
02/25/through 06/03/If Mr*** feels that he is a victim of identity theft or if he feels that services were provided outside of the time in which he is responsible for he will need to prove he was not receiving services for this accountTo do so he will need to provide proof of residence at a different addressThis will need to be for every month covering the service date, standard proof is typically payroll stubs, utility bills from the new provider, cell phone bills and any of the proof would need to reflect the new address in which he was locatedVirtuoso reports information to all three Credit Reporting AgenciesWe have removed our entry from his credit report with all three Credit Reporting Agencies and were provided AUD # *** as proof of the deletionIf you or Mr*** have any further questions, please call Sarah B***, Director of Client Operations/Compliance Manager, Virtuoso Sourcing Group by calling 877-451-Thank you
Initial Business Response / [redacted] (1000, 5, 2015/05/20) */ While our records indicate that a notice was previously sent, we have initiated a notice to this consumer at this timeThe account has been placed into a disputed status which will remove this from her credit report, thus allowing her time to review the information We have also requested an itemized statement from the original creditor and will forward that information as well The account will remain on holdShould she have further questions or concerns, I encourage her to contact me directly or to call our office at 888-982- Initial Consumer Rebuttal / [redacted] (2000, 8, 2015/05/22) */ (The consumer indicated he/she ACCEPTED the response from the business.)
We are glad to assist this consumer if she has an account on her credit report which references our company However, we are currently unable to locate any account with the information she provided The best way for her to resolve this is for her to submit a "dispute" with the credit reporting company directly They will immediately send it to Virtuoso for confirmation and we will confirm deletion.If she still would like for Virtuoso to research this, we will need additional information such as previous addresses or names under which the account may have been established Also if she can provide the last digits of her SSN and any account numbers or name of original creditor from her credit report She may feel free to contact me directly either by phone to ###-###-#### or by email to [redacted]
Thank you for contacting our office regarding the complaint of [redacted] [redacted] assigned an account to our office on 10/20/We mailed a validation letter on 10/24/to Ms [redacted] at the address provided by our clientAs a result of our research into this matter, we have requested and attached the Itemized Statement and Lease Agreement from our clientThe itemized statement shows that the debt is for billing during the time frame of 11/07/through 04/06/The balance is for one month of service and for the device on that is associated with the Lease AgreementHowever, if Mrs [redacted] is able to provide proof that the device was returned to our client, we would be able to forward that to our client to properly address the return of the equipmentWe have updated our entry to reflect Ms [redacted] disputeIf you or Mrs [redacted] have any further questions, please call Sarah B***, Director of Client Operations/Compliance Manager, Virtuoso Sourcing Group by calling 877-451-Thank you
Initial Business Response / [redacted] (1000, 5, 2015/05/13) */ We have placed this account into a disputed status and will have a letter sent to the consumer again which provides the information concerning the account and the original creditorShe will then have the opportunity to review the information and to contact us to resolve this matter The account has been deleted from the credit report and will remain in this status until she contacts us further If she has additional questions, we encourage her to contact our office toll free at 888-982-or she may contact me directly
Thank you for contacting our office regarding the complaint of [redacted] We received a credit bureau dispute on June 30, We deleted our entry from the credit report at that timeWe have also manually deleted the entry and have been provided with [redacted] as proof of the deletionIf [redacted] has any questions she may contact [redacted] ***, [redacted] , Virtuoso Sourcing Group at [redacted] Thank you
Initial Business Response / [redacted] (1000, 7, 2015/08/27) */ Our records indicate that our client, [redacted] placed this account with us in June We first became aware of this consumer's dispute when we spoke with him on 8/24/Then on 8/25/15, we received a dispute via "credit report dispute" and also by FAXWe deleted the account due to his dispute at that timeWe also placed the account into a disputed status and forwarded his information to [redacted] submitted credit to zero the balance and closed the account today We believe this should resolve this matter for the consumerIf he has further questions or concerns, he may feel free to contact me directly Initial Consumer Rebuttal / [redacted] (3000, 9, 2015/09/08) */ (The consumer indicated he/she DID NOT accept the response from the business.) I do thank the company for correcting this on my credit reports and after speaking with them, confirming that this is overThe reason I am denying this is because I am and have asked for a copy sent to me showing that it is a zero balanceAfter everything I went through with this, once I receive a document from both [redacted] and the collection company stating this is a zero balance, I will accept the outcomeThe company did state they would send me a copy for my records but that has been a while and no letter yetPlease send the letter to my home address on file Final Business Response / [redacted] (4000, 11, 2015/09/10) */ This account was credited to zero balance by the original creditor, [redacted] who also closed the account with us on 8/27/The account was also deleted from the credit report automatically upon closing We took the additional step of doing a manual online deletion and have now sent a Closed letter with the AUD reference number to this consumerWe believe that this satisfies the request of this consumerIf he would like additional information from [redacted] he will need to contact them directly Final Consumer Response / [redacted] (2000, 13, 2015/09/11) */ (The consumer indicated he/she ACCEPTED the response from the business.) Thank you very muchThis does resolve my issue and it is my hopes that [redacted] will no longer send something that has been a zero balance, to another collection agencyThank you from clearing it from my credit report as well
Since this consumer mentions that another company was "charging him with the same debt", we must assume that this pertains to the prior collection agency that Sprint had placed the account with This was assigned to Virtuoso on 3/23/and at that time, the prior agency should have deleted the account from the credit report When he paid us on 5/18/16, we were initially unaware that this consumer had opted to pay a reduced settlement amount onlineWe will review the call with the agent who he spoke with and provide any additional training as appropriate It is our goal to resolve misunderstandings when they occur As previously stated, we have deleted the account from the credit report and believe that this should resolve this matter
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Sincerely,
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Sincerely,
*** ***
Initial Business Response /* (1000, 6, 2015/04/28) */
Our records indicate that on 4/16/15, this consumer talked with a representative in our office and they were able to come up with a resolution to this accountOur records now reflect the account is settled in full
We believe that this
should resolve her concernsIf she has further questions or concerns, she may reach me directly at XXX-XXX-XXXX
Please forward them the following information:It was *** ***The address of service was *** *** *** *** ** ***The names were *** *** *** ***The account was from May 2012-August Have them contact me if they cannot find my account still
Complaint: ***
I am rejecting this response because: As of this morning the collection is still showing up on my credit report and I have still yet to receive any information requested in my DV letterTexas Finance code only allows a collection agency days from receipt of a DV letter to validate a debt and the days has been exceededThis needs to be removed from my credit report ASAP
Sincerely,
*** ***
We have located the account referenced by this consumer and show that we have already requested the validation of the debt. The account has been placed on hold and removed from the credit report. It will remain on hold and will not be credit reported while she has the opportunity
to review this information. If she has further questions, she may contact me directly at 720-5080-or by email to ***@virtuososourcing.com
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Sincerely,
*** ***
Initial Business Response /* (1000, 6, 2015/11/05) */
Our records indicate that our first contact with this consumer was on 11/4/when we received an email stating that he is a victim of fraud
We immediately placed the account into a Fraud Pending status and deleted it from the credit
reportThe AUD reference # for the deletion is XXXXXXXX
A letter was mailed to the consumer today providing the Sprint process for filing a identity theft claim
There will be no further contact from Virtuoso concerning this accountWe apologize if he feels that he was receiving no responseIt is possible that a prior agency received the information
If he has further questions or concerns, he may contact me directly
Initial Consumer Rebuttal /* (3000, 8, 2015/11/13) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I have sent this information many times with Sprint!
Final Business Response /* (4000, 10, 2015/11/18) */
We have continued to follow up with Sprint concerning this consumer's claim that he had provided them with all necessary documentation to confirm fraud/identity theft
We were able to verify today with Sprint that they have received his information and that they have placed the account in to a closed due to fraud statusThe account has already been deleted from the credit reportWe believe this should resolve this matter for the consumerIf he has any further questions or concerns, he may contact me directly
Final Consumer Response /* (2000, 12, 2015/11/19) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Initial Business Response /* (1000, 6, 2015/10/23) */
We have placed this account into a hold status and requested the detailed information about the account from XCEL EnergyThe account has been removed from the credit report at this time and will not be reported if it is determined that this is
indeed a fraudulent account
This matter pertains to a Public Service Company of Colorado account and service that ended in December Therefore, we will provide the information to the consumer to review and determine how to best resolve this
If he has further questions or concerns, he may contact me directly
Initial Consumer Rebuttal /* (2000, 8, 2015/10/27) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Thank youPlease contact me directly if and when more information about this account becomes available
Regards,
Initial Business Response /* (1000, 5, 2015/08/25) */
Our records indicate that we have a different address for this consumer but that a notice was mailed to him in June and our records do not show that it was returned
We have sent additional correspondence to him today at the new address
which he providedWe have placed this account on hold and removed it from his credit report so that he will have the opportunity to review the information
We encourage him to contact us to review the records and determine if he would like to resolve this matter
Initial Consumer Rebuttal /* (3000, 7, 2015/08/26) */
(The consumer indicated he/she DID NOT accept the response from the business.)
First, I have never received any notice probably because it was sent to a bogus address that is not mineLast year I filed an identity theft complaint with my credit bureauI never have owned a *** deviceI've been with *** for the past 10+ yearsJust want them to permanently remove this collection from all credit files
Final Business Response /* (4000, 12, 2015/10/02) */
We have placed this account into a *** *** status and have sent a "fraud packet" to the consumer which may be completed and returned to ***
The account remains on hold and has been deleted from the credit report pending the receipt of these documents
We believe that this should resolve this matter for the consumerIf he has further questions or concerns, I encourage him to contact me directly
Initial Business Response /* (1000, 5, 2015/09/08) */
We have located the account for this consumer and have updated our records with his current addressWe previously sent a letter to this him at the address provided by the original creditorOur records indicate that it was not returned
However, since he indicates that he has no information concerning the account, we have re-sent the noticeThe account has been deleted from the credit report and we have noted our records
I have asked a manager to attempt to reach him since he has experienced difficulty calling our office
We encourage this consumer to make arrangements to resolve this matter and it will not appear on his credit reportHe may also contact me directly if he prefers - either by email or by phone
This *** account was assigned to Virtuoso on 6/14/and has not been credit reported by Virtuoso at all. The account has been placed on HOLD and we have mailed this consumer a copy of his billing statements from *** which show what this balance is for. The account will remain in a
disputed status so that he will have an opportunity to review this information. If he is interested in settling this for less than the full amount, we have been authorized by *** to accept 60% of the balance due and will then close the account as Settled. If he would like to discuss this further, he may contact me directly either by email to *** or by phone to ###-###-####.I have also attached a copy of the letter which was mailed today
Thank you for contacting our office regarding the complaint of *** * ***As a result of our research into this matter, we have requested and attached the itemized statement with the service dates and addressThe itemized statement shows that the debt is for services during the time frame of
02/25/through 06/03/If Mr*** feels that he is a victim of identity theft or if he feels that services were provided outside of the time in which he is responsible for he will need to prove he was not receiving services for this accountTo do so he will need to provide proof of residence at a different addressThis will need to be for every month covering the service date, standard proof is typically payroll stubs, utility bills from the new provider, cell phone bills and any of the proof would need to reflect the new address in which he was locatedVirtuoso reports information to all three Credit Reporting AgenciesWe have removed our entry from his credit report with all three Credit Reporting Agencies and were provided AUD # *** as proof of the deletionIf you or Mr*** have any further questions, please call Sarah B***, Director of Client Operations/Compliance Manager, Virtuoso Sourcing Group by calling 877-451-Thank you