- Report: #471990
Report - Rebuttal - Arbitrate
Complaint Review: Leading Edge Recovery Solutions
Leading Edge Recovery Solutions5440 N Cumberland Ave Ste 300 Chicago, Illinois U.S.A.
Leading Edge Recovery Solutions Violating my FCA rights for high credit pools and validation to the pool.W Chicago Illinois
*Consumer Suggestion: Refer to the Fair Debt Collection Act
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Once I gotten my letter back I did a search on this company as well as to see if they are rip offs. I found the correct address and mailed the letter again certified on 12/8/08. Now this is the part that pissed me off. When I got the return delivery slip from the USPS I also got a letter from the company (which was a generic one) stating that they had the right to pull my credit. No proof as I requested to show me that I did authorized it. Nor did they provide info of who whas the creditor. When I request another credit report I didnt see it. Til back in MAy of 09 with another credit report from my realitor shows that they were on my report with a hard pull again.
This time I contacted the BBB in IL on 6/3/08, FTC, the attorney general and who else I could. With the BBB they waited til the last min 6/23/08 to send a reply to them after 2 request from the bbb. The response was basically a gerenic too. Stating that they have done no wrong doings. That they inquirer upon my credit to assist in collection an outstanding debt and that my premission isnt necessary. Which was the kicker that me the consumer should take this as an official advisement to cease and desist making false statements about LERS.
I rebuttal 6/23/08 that in regards to the 9th circuit court of Appeals under case of Pintos v Pacific Creditors Association in Jan 2007. Under the FACTA newest revision of the FCRA that a collector may only pulla credit report in connection with a credit transaction. I did not request credit nor gave them premission to do so. If I authorized it with any company that I owed then that is on me.
The last response was on 7/15/09 stated that I owe GE Money Bank/ Chevron/ Texaco. I have nbever done business with them and nor do I owe those companies. And once again in the reply to the BBB that I need to cease making false statements about LERS and their practices. I do not feel that I am making false statements as well as they are on my credit report. If I am requestion proof then that is my right as a consumer to get the proof to make sure that they arent trying to screw me for not checking or knowing.
This report was posted on Ripoff Report on 07/21/2009 06:09 PM and is a permanent record located here: http://www.ripoffreport.com/r/Leading-Edge-Recovery-Solutions/Chicago-Illinois-60656-1486/Leading-Edge-Recovery-Solutions-Violating-my-FCA-rights-for-high-credit-pools-and-validati-471990. 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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