Wolcotts Floor Coverings

[redacted] , We have received your complaint regarding your account for our client Partners in PrimaryPlease be assured that we take all complaints seriously and have reviewed your accountPlease note that your account was placed with us on September 13, We made reasonable attempts to contact you regarding this matter and the account was reported accordingly and within the Fair Credit Reporting Act guidelines.? Based on your request and payment in January, as a courtesy we have removed the account to the credit reporting agencies in which we reportThe confirmation# is [redacted] Although we have requested removal from the reporting agencies, they may take an additional amount of time to remove the accounts from your reportYou may contact them if you wish and provide the confirmation# I have given you, to check status on the removal.? We hope this alleviates any of your concernsIf you have any questions, please do not hesitate to reach out to us at 1-800-955-? Best Regards, Sarma Compliance ? ?

Thank you for reaching out to Sarma to express your concerns with the above mentioned accountWe have reviewed our records and have identified the following; the account was placed with Sarma on 4/20/A letter notifying you of the debt was sent to you on 4/22/16, with the proper disclosures as described by the FDCPAWe also made several attempts to contact you by phoneThe address and phone number we have on file is the same address and phone number you have provided on this document.? Our records also indicate that on 8/31/16, our client requested that we close the account, which was completed on 8/31/We also withdrew the account from reporting to the credit reporting agencies in which we report to on 9/1/On 11/3/16, our office sent you a letter that we are no longer handling or reporting this accountAs you can see, we have handled your account as required by the FDCPAAs, an additional measure we sent an additional request to the credit reporting agencies in which we report to, to have this account removed if they have not already done soThe reporting agencies may take up to ninety days to update their records once we have submitted a requestHowever, in order to expedite this process you may contact any or all credit reporting agencies to inquire on this accountOur confirmation number from the credit reporting agencies is [redacted] .? We hope this has satisfied your concerns with the account in questionsPlease contact our office if you have any other questions or need additional assistance.? ? Thank you and have a great day.?

Ms***,? The inquiry on your account was made by Platinum Mortgage GroupThe loan officer that handled your inquiry is named Scott and you can contact this company at 813-645-If you are still unfamiliar with the company that pulled your information, you may contact them directly or inform any of the credit bureaus to dispute this informationPlease contact our office if you need further guidance and we will be happy to assist you.? ? ?

We are in receipt of your complaint dated 5/5/2017, please be assured that we take all complaints seriouslyAfter thorough review of your account it has been determined that Sarma Collections, Inc., did not violate the FDCPA as you claimedWe received placement of the account on 12/19/2016, initial communication obtaining all disclosures required by FDCPA was sent on 12/22/2016, this was within the five-day requirementOur records indicate we made reasonable attempts to reach you by phone, we understand that your credit is importantWe are willing to work with you to resolve this account and as a courtesy we have removed your account from the credit reporting agencies in which we report toWe will submit a removal request today, please keep in mind that it may take up to days for the credit reporting agencies to update their records on their endHowever, you make contact each one to determine the status of removalWe hoped that we have addressed your concerns and you are satisfied with the actions we have takenPlease contact our office if you need further assistance or have any questions

Ms***, I apologize for any inconvenience you may have encountered, there have been instances when the credit bureau will list Sarma as the creditor, when in fact Sarma is the supplier of the credit reportWe have pulled the information containing the original creditor, address and phone number This will be mailed to you at the address you providedThis should clarify any confusionPlease contact the original creditor when you receive the information for further assistance if you still feel this inquiry was in errorYou may also contact our customer service at 800-955-for assistance.? ? Thank you.?

Sarma Collections Inc., strives to provide the best customer service to our consumersWe handle all correspondence seriously and in a timely mannerOn, November 3, 2014, we responded to your concern dated;? October 12, 2014,? ? our response? included proper validation information regarding your account and information stating that the account will be updated to all three bureaus as, "paid in full." There were no violations by Sarma Collections Inc., however as a courtesy, we have placed a request for removal of this account with all three credit reporting agenciesWe have sent a certified letter on 09/08/to Mr [redacted] , stating that the account will be removed along with the AUD#, this number can be used to follow up with the bureaus to the? update on their endIf you have any questions, please contact our office at 800-955-5238, and a representative will be happy to assist you

Complaint: [redacted] I am rejecting this response because: There are no itemized items on this pageAlso the license on the page is not minePlease validate this debt correctly Regards, [redacted] ***?

Complaint: ***
I am rejecting this response because; I was told two different versions of the events that would transpire after paymentI am calling into question the authenticity of their recording, and that it hasn't been edited to favor Sarma Collections Inc (hereby referred as SCI)Every other collection agency can remove derogatory items, but for some reason they are the only ones unable to perform the same unattainable featDebt Collection agencies just like SCIhave the power to add derogatory information, adversely affecting peoples lives, but then they state they are not able to remove those derogatory itemsI've fulfilled my obligation by paying the debt, it's time they fulfill their obligation, and remove the derogatory information THEY HAVE posted on my credit reportsThe following statement is posted on SCI's own website, located at http://www.sarma.com/credit-reports-and-credit-scores/ "If the information provider finds the disputed information is inaccurate, it must notify all three nationwide credit bureaus so they can correct the information in your credit report." There is no longer a derogatory report or debt owed to either the original creditor or the collection company that was either hired by, or purchased the debt from the original creditorSCI, contradicts their own statements, and the above referenced quote proves itIn conclusion SCIis on record with the Consumer Financial Protection Bureau for violations of the FDCPAThey proudly display a PDF file on their website which contains data from and 2014, but not prior to those yearsCompanies like SCI are in bed with with the credit reporting bureau's, and would be out of business if regulations were put in place to protect consumers from unfair reporting practices by businesses like SCISCI has the power to prevent consumers from purchasing anything on credit, regardless if the debt is valid, committed through fraud, by theft of identity, or a simple reporting errorConsumer recourse for identity theft is non-existent, as I have personally found outThey require little to no proof on whether the debt is valid or not, just a retainer from the company they are hired to representI stand by the statement that this derogatory item would be removed by SCI from adversely affecting my credit report, regardless of what they insinuate they have recordedIf any other creditor can have derogatory items removed from credit reports, but SCI cannot, that in itself proves that their word means nothing.Regards,
*** ***

Ms***, The inquiry on your account was made by Platinum Mortgage GroupThe loan officer that handled your inquiry is named Scott and you can contact this company at 813-645-If you are still unfamiliar with the company that pulled your information, you may contact them directly or inform any of the credit bureaus to dispute this informationPlease contact our office if you need further guidance and we will be happy to assist you.

Complaint: 1***
I am rejecting this response because: I should not have to provide anything more than what I already haveIf your client ( and or you) feel that you have enough to take me to court than do sootherwise remove from my credit report
Regards,
*** ***

Sarma Collections, Incstrives to provide the best possible customer service to our consumersPlease be assured that we take all complaints seriously and have looked into the matterAll phone calls are recorded and any statements given by our representatives are handled accordinglyAs stated in our response to your original complaint on August 15, 2015, we found no misrepresentation by our representative that request for removal would be submitted once the account was paidWe are contracted by our clients to handle their accounts according to their specifications and have been contracted by this client to update the accounts based on their status, "Paid" or "Unpaid."As a courtesy, we have placed a request for removal with all three credit reporting agencies, Experian, Equifax and TransunionWe will send *** *** a letter stating this and the control number in order to follow up with the reporting agenciesThe reporting agencies may take up to days to update records on their end

Ms***, Sarma Collections, Inc., is a consumer driven company, we strive to assist our consumers with the best possible solution to manage their accountsI apologize for any inconvenience you may have encounteredAfter reviewing our records pertaining to the accounts you have
mentioned, our records indicate that our representatives have been unable to reach you to discuss the accounts in questionHowever, our client, Paris Regional Medical center, withdrew these accounts from our databaseThis means we no longer handle these accountsWe had also removed the accounts from the three credit reporting agencies when the accounts were withdrawnPlease see below Account# ***Amount 60.65Removed 06/29/15Account# 142950230Amount 15.33Removed 12/30/14 Account# ***Amount 182.60Removed 01/02/15 Credit Reporting agencies may take up to days to remove an account after we have removed this account from our databaseIf these accounts are still appearing on your credit, you may dispute directly with each reporting agency and we will inform them to delete the accountYou may also contact the agencies and provide reference# *** to confirm our request to remove these accountsOur Please contact our office if you need further assistance, we will be glad to assist you to get this matter resolvedOur number is 800-955-5238.

*** ***, We have received your complaint regarding your account for our client Partners in PrimaryPlease be assured that we take all complaints seriously and have reviewed your accountPlease note that your account was placed with us on September 13, We made reasonable attempts to
contact you regarding this matter and the account was reported accordingly and within the Fair Credit Reporting Act guidelines. Based on your request and payment in January, as a courtesy we have removed the account to the credit reporting agencies in which we reportThe confirmation# is ***Although we have requested removal from the reporting agencies, they may take an additional amount of time to remove the accounts from your reportYou may contact them if you wish and provide the confirmation# I have given you, to check status on the removal. We hope this alleviates any of your concernsIf you have any questions, please do not hesitate to reach out to us at 1-800-955- Best Regards, Sarma Compliance

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.
Thank you
Regards,
*** ***

Complaint: ***
I am rejecting this response because: SARMA only responded to one inquiry!!!!!!!! I do agree to this one ONLY on 10/6/16, however did not approve the others from SARMA aka Network Credit Solutions neither does the mortgage companyIf this isn't removed this week I have an appointment with Channel on your Side about the mortgage company and SARMA aka Network Credit Solutions
Regards,
*** ***

We have received your response in regard to the documentation provided to you by our officeOn our previous letter, we informed you that we had removed the account from the credit reporting agencies in which we report due to your disputeSince we do not have sufficient documentation from you to compare the information we have on the account, we have closed this account in our office and will no longer report nor attempt to collect on this debtOur client *** *** *** has been notified of your concernsPlease contact our office at your convenience if you need additional assistance at ###-###-####

In receipt of this complaint, we have reviewed the recording and quality of the call*** ***, did in fact request the account be removed from his credit report after paying in full, however the representative stated the account could not be removed but would be updated to the bureaus as paid in
fullAfter a review of both calls, it was determined that the representative never stated the account would be removed, only be updated and it may take 30-days for the bureaus to update on their endThis is also an opportunity to improve on call quality so there are no misunderstandings when communicating about credit reportingOur Quality Assurance department will send *** *** a letter showing this account has been paid in full and will send another an update to the credit bureaus to state this account has been paid

Thank you for reaching out to Sarma to express your concerns with the above mentioned accountWe have reviewed our records and have identified the following; the account was placed with Sarma on 4/20/A letter notifying you of the debt was sent to you on 4/22/16, with the proper disclosures as
described by the FDCPAWe also made several attempts to contact you by phoneThe address and phone number we have on file is the same address and phone number you have provided on this document. Our records also indicate that on 8/31/16, our client requested that we close the account, which was completed on 8/31/We also withdrew the account from reporting to the credit reporting agencies in which we report to on 9/1/On 11/3/16, our office sent you a letter that we are no longer handling or reporting this accountAs you can see, we have handled your account as required by the FDCPAAs, an additional measure we sent an additional request to the credit reporting agencies in which we report to, to have this account removed if they have not already done soThe reporting agencies may take up to ninety days to update their records once we have submitted a requestHowever, in order to expedite this process you may contact any or all credit reporting agencies to inquire on this accountOur confirmation number from the credit reporting agencies is ***. We hope this has satisfied your concerns with the account in questionsPlease contact our office if you have any other questions or need additional assistance. Thank you and have a great day.

Ms***, I apologize for any inconvenience you may have encountered, there have been instances when the credit bureau will list Sarma as the creditor, when in fact Sarma is the supplier of the credit reportWe have pulled the information containing the original creditor, address and phone number
This will be mailed to you at the address you providedThis should clarify any confusionPlease contact the original creditor when you receive the information for further assistance if you still feel this inquiry was in errorYou may also contact our customer service at 800-955-for assistance. Thank you.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 12678288, and find that this resolution is satisfactory to me
Regards,
*** ***PSIF THE ACCOUNT IS CLEARED AS PROMISED THEN I AM SATISFIED DISPITE THE FACT THAT I WAS NOT MADE AWARE OF THIS OBLIGATION BY SARMA EVER - IT WAS REPORTED TO ME BY MY CREDIT WATCHING SERVICE.