• Report: #620260

Complaint Review: Experian Credit Reporting Bureau

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  • Submitted: Mon, July 05, 2010
  • Updated: Mon, July 05, 2010

  • Reported By: Rondi — Colorado Springs Colorado United States of America
Experian Credit Reporting Bureau
701 Experian Pkwy Internet United States of America

Experian Credit Reporting Bureau Douglas Hollon Refused to investigate and remove an unverifiable collection account Internet

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In May after I was denied the house, I had checked my credit and discovered four collections on my credit report. I  called the company RJM ACQ LLC and spoke with one of their associates. When I gave the associate the account number, I was told by him that they did not have my full name, social security number, date of birth or address. I asked him why they never mailed me anything and again the associate said "because we don't have your address" I asked him "why did you report this on my credit?" and he said "we reported it on every single person with the same last name in Colorado Springs in hopes someone would call us and pay the bill" I told him that that was illegal and I wanted it removed. He said he couldn't just remove it  because they might not be able to collect it from the real person  that actually owes the debt. I told him I worked at a law office that sued collection companies and that if he did not remove it. I would hire an attorney and sue him. He then put me on hold and a few moments later said they would have it removed by the end of the day. He then asked me for my address to mail me proof they had removed it from my credit report.  A few days later I received a letter from RJM stating they had notified all of the bureaus and it should be removed shortly. I checked my credit again and both Transunion and Equifax removed it immediately, but Experian had not. I then sent a letter to Experian with a copy of the letter from RJM ACQ and the a cd with the audio recording of the phone call of RJM stating they had no records on me. Experian has now verified the account as being accurate & wont remove it! Experian has also told me in writing that RJM ACQ has verified the account to be mine and will not remove it now. I am asking RJM ACQ to either remove the account immediately or I will be hiring an attorney to sue RJM ACQ for violating FDCPA and FCRA. A collection company was recently sued in Texas for 1.5 million dollars for violating FDCPA. Like the gentleman that was getting abused by the collection company,  I too have a recording of RJM ACQ's employee violating FDCPA. Due to the fact I am a single father of three and I can not provide safe housing for my children, I am sure I have damages. 




This report was posted on Ripoff Report on 07/05/2010 12:18 PM and is a permanent record located here: http://www.ripoffreport.com/r/Experian-Credit-Reporting-Bureau/internet/Experian-Credit-Reporting-Bureau-Douglas-Hollon-Refused-to-investigate-and-remove-an-unver-620260. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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