False Allegation
Complaint
Frustrated
Country: United States
This company has reported to all three credit agencies that I am past due on a debt of $51. I have absolutely no idea what they are talking about. I don't owe anyone $51! Not only did they put this on my credit report, they have never tried to contact me to resolve this matter and I cannot contact them because the telelphone number they provided to the credit agency is bogus. No one ever answers the phone! With all of this company's shady dealings, how is it they are still in business.
1. They claim I owe $51, but I have no idea who or what I owe it for
2. They have never contacted me so that I could confirm and pay, or dispute
3. They have submitted a false report to all three credit agencies (Equifax, Trans Union, and Experian) which dropped my credit score by 67 points.
Has anyone ever successfully contacted this agency. I am so frustrated. I don't appreciate their messing around with my credit report!
Seriously Frustrated!!
1. They claim I owe $51, but I have no idea who or what I owe it for
2. They have never contacted me so that I could confirm and pay, or dispute
3. They have submitted a false report to all three credit agencies (Equifax, Trans Union, and Experian) which dropped my credit score by 67 points.
Has anyone ever successfully contacted this agency. I am so frustrated. I don't appreciate their messing around with my credit report!
Seriously Frustrated!!
Comments
Looks like they have been sued a few times, over violations of FDCPA and FCRA.
http://dockets.justia.com/search?query=receivables+performance+management
Stop trying to fix this by phone, since it won't move you toward forcing a resolution, which in the end may require a lawsuit.
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Send a dispute to each of the 3 CRAs, disputing the alleged debt.
The CRAs are required to forward your dispute to the data furnisher, RPM, who must correct their error, or they can be held liable for it. If they "verify" rather than remove it, and you don't actually owe it, you may sue them for violating FCRA. The CRAs have 30 days from your dispute for the DF to respond, and if they don't, the CRAs must remove the entry. The CRAs must notify you of the result of your dispute.
Keep track of any damages from this "error", such as being turned down for credit, or other creditors jacking up your interest rates, or cutting back your line of credit. If you are notified of any such negative actions, request that they send you an adverse action notice, notifying you of which credit report they pulled to get information they used in their decision. You can obtain a free copy of that credit report from the CRA following such an adverse action, so get a copy of the report to verify that this DF's negative information is on your report, to substantiate the cause of the damage.
If this DF "erroneously" verifies a debt you don't owe, you can sue them, in federal or state court, in your state. Courts can award damages and your attorney fees if you win, so there are attorneys who take these cases on contingency. You can find a consumer attorney in your state through www.naca.net
Mr. Henry P. Shorter, Director of Quality Assurance & Compliance
Receivables Performance Management, LLC
20816 44th Ave W
Lynnwood WA 98036
Explain to him that the debt isn't yours. Tell him what steps you expect him to take to repair your credit reports. Send a copy to your state's Attorney General.
Good luck. These people are real crooks. They went after me for a debt that wasn't mine. Mr. Shorter, however, believes that his company never makes mistakes.
Best of luck to you.
You can dispute through the DFs who posted to the CRAs all you want, but for an FCRA lawsuit to survive, you MUST dispute with the CRA, giving the DF the chance to correct. That's just the way the law was written.