Asset Recovery Associates

Dear Revdex.com, Mr*** does not appear in our systemUpon further review of his complaint, he describes speaking to a representative by the name of *** ***It should be noted that we do not have an employee by that nameThis information leads me to believe that Mr*** has mistaken
us with another companyWe regret the confusion Thank you very much for your assistance in this matter Sincerely, *** *** Compliance Manager

Initial Business Response /* (1000, 8, 2015/04/30) */
Contact Name and Title: *** *** ComMgr
Contact Phone: XXXXXXXXXX
Dear Revdex.com,
The account in question was a *** Bank account that Mr*** opened and kept active for quite some time until several years of non-payment
prompted the original creditor to render it closedThe original creditor then placed the account with several outside collection agencies for recovery of the full balance, at the time totaling $Of the all the agencies to do so, it was noted that all collective efforts were exhausted and none were able to obtain any form of payment from Mr***Eventually, the original creditor was forced to sell the account in a last-ditch effort to recoup a small portion of the losses they sustainedARA Incpurchased the file as part of a larger portfolio of defaulted accounts
I reviewed the file as well as interviewed Ms*** and Mr*** the representative with whom Mr*** spoke, Mr*** states that on April 01, at around 2:P.MCST, a phone call was escalated to herShe states that after Mr*** verified his identity, she began relaying to Mr*** the pertinent details of his accountShe states that Mr*** was very agitated at hearing the details of his accountMs*** states that she offered Mr*** a reduced settlement on his outstanding balanceShe states that Mr*** vehemently denied that the debt belonged to him and ended the callI then spoke to Mr*** who said a complaint call was sent to him later that dayHe states that Mr*** was very agitated at the fact that our company was contacting him at allMr*** states that he attempted to explain that Mr*** still owed a debt regardless of the possibility of legal enforceabilityMr*** states that Mr*** ended the call shortly thereafter
To address the alleged behavior of our representative, Ms*** must state that we believe it would be highly unlikely from herI have thoroughly checked her personnel files and could find no similar instance having occurredRegardless, I have placed her on a supervisory period lasting no less than daysThis includes random monitoring and weekly administrative reviews
As for Mr***'s assertion that his debt is to old to be collected on, I must state that we believe this to be a impressionOnce a debt is generated, it is considered due until it is either paid, the debtor has passed away, or it was proven to be fraudulentSince Mr***'s account meets none of these requirements for a disputed debt, we must assume it remains just and dueIt should be noted that we find ourselves in an industry where consumers are less than pleased to be reminded of their long past-due debts but we are merely attempting to offer resolution for said debts
I have consulted my administrators regarding this matterAlthough we maintain that Mr***'s account remains nothing other than just and due, they have instructed me to render his file closed due to the involvement of your officeAll associated contact information has been erased and it shall not be subject to transfer or sale
Thank you very much for your assistance in this matter
Sincerely,
*** ***
Compliance Manager

Dear Revdex.com, We were unable to locate Ms*** file in our systemIf she could provide us with more pertinent information, such as a file or original account number, we could adequately locate her file and properly address her concernsThank you very much for your assistance in this matter
Sincerely, *** *** Compliance Manager

Dear Revdex.com,The account in question was a *** Manhattan Bank credit card that Mr*** opened and kept active for nearly ten years until several months of non-payment prompted the original creditor to render it closed in March of Shortly following this default, the original creditor placed
the account with numerous outside collection agencies for recovery of the full balance, at the time totaling $15,Of the six agencies to do so, it was noted that all efforts were exhausted and none were able to obtain any form of payment from Mr***Eventually, the original creditor was forced to sell the account in a last-ditch effort to recoup a small portion of the losses they sustainedARA Incpur***d the file as part of a larger portfolio of defaulted accounts.I thoroughly reviewed Mr***’s account as well as interviewed Ms***, the representative with whom Ms*** spokeMs*** states that on January 09, she attempted to contact Mr*** to seek resolution on his debtShe states that she was connected to Mr***’s wife, who inquired what the call was aboutMs*** states that she relayed that Mr*** had a very large outstanding balance from an unpaid *** Manhattan Bank credit cardShe states that Ms*** acknowledged that her husband could have had this debt as his credit was poor before they marriedMs*** states that she was calling merely to seek resolution on Mr*** defaulted account and offered a highly reduced settlement of $9,to settle the accountMs*** states that Ms*** accepted the settlement offer and seemed as though she did want to resolve the debtMs*** states they agreed on a total settlement of $9,498.62, with $to be processed that day and the remainder to be paid via certified funds on January 17, Ms*** states she processed Ms***’s first payment on the phone and they ended the call amicably and on the aforementioned termsMs*** states that later that same day, the initial payment of $was reversed due to a chargeback from Ms***We have received no payments from Ms***.To address the alleged behavior of our representative, I must state we do not take these allegations lightlyI have placed Ms*** on a mandatory supervisory period lasting no less than daysThis includes random monitoring and weekly administrative reviews to ensure no incident similar in behavior does occur in the future.After reviewing Ms***’s complaint I must state I am somewhat of a lossNot only did Ms*** agree to set up a settlement arrangement to satisfy this debt, she was on the phone when the first payment processedMs*** also states she called her bank to cancel the payment and called our company to cancel the arrangementOur intention in making contact regarding this debt was merely to notify of said debts existence and attempt to seek resolution on a voluntary basisIt would stand to reason if Ms***’s did not wish to settle this debt, she would not have set up a payment plan to do so.Regardless, it should be stressed that Mr***’s file has been fully closedAll associated contact information has been purged and it shall not be subject to transfer or sale Thank you very much for your assistance in this matter. Sincerely, *** ***Compliance Manager Tell us why here

Dear Revdex.com, The account in question was a *** card that Ms*** opened and kept active for quite some time until several months of non-payment prompted the original creditor to render it closed in April of Following this default, the original creditor placed the account with many
outside collection agencies for recover of the full balance, at the time totaling $1,Of the three agencies to do so, it was noted that all efforts were exhausted and none were able to obtain any form of payment from Ms***Eventually, the original creditor was forced to sell the account in a last-ditch effort to recoup a small portion of the losses they sustainedARA Incpurchased the file as part of larger portfolio of defaulted accounts I thoroughly reviewed Ms*** file as well as interviewed Ms***, the representative with whom she spokeMs*** states on June 10, she contacted Ms*** to seek resolution on her outstanding balanceMs*** states that following identity verification, she relayed the pertinent details of her accountShe states that she attempted to explain the debt to Ms*** as well as offer her a highly reduced settlement to close out the account, but she became irate at the mere mention of her debt and ended the call To address the alleged behavior of our representative, I must say it would be highly unlikely from herI have thoroughly checked Ms*** personnel file and could find no instance similar in nature having occurredRegardless, I have placed her on a supervisory period lasting no less than daysThis includes random monitoring and weekly administrative reviews Although Ms*** account has accumulated significant age, it is considered just and due until it is either paid, the debtor is deceased, it has been included in a Bankruptcy or cited as fraudulentSince Ms*** account meets none of the requirements for a discharged debt, our attempt at contact was merely to offer a reduced settlement to achieve a mutual resolution close out her outstanding account I have presented this matter to my administrators for their considerationDue to the involvement of your office, they have instructed me to render Ms*** file closedAll associated contact information has been erased and it shall not be subject to transfer or sale Thank you very much for your assistance in this matter Sincerely, *** *** Compliance Manager

Complaint: ***
I am rejecting this response because: I find it hard to believe that a company that has been borderline harassing me does not find my information in their system they certainly had no trouble calling me over and over again after being told to cease and desist I would love to provide account information but the shady operators of this company refused to provide any each time we spoke because they have no ground to stand on I do not realistically expect any resolution to this issue, however I do not accept their response of not being able to locate me as truthful As long as I never receive contact from the company again I will be satisfied with their meager attempts to care about the ethics of the "business" that they operate
Sincerely,
*** ***

Initial Business Response /* (1000, 5, 2015/06/17) */
Dear Ms. [redacted]
The account in question was a [redacted] account that Ms. [redacted] opened and kept active for nearly four years until several months of non-payment prompted the original creditor to render it closed in February of 2002. ...

Following this default, the original creditor placed the account with several outside collection agencies for recovery of the full balance, at the time totaling $4,635.55. Of the three agencies to do so, it was noted that any and all efforts were exhausted and none were able to obtain any form of payment from Ms. [redacted]. Eventually, the original creditor was forced to sell the account in a last-ditch effort to recoup a small portion of the losses they sustained. ARA Inc. purchased the file as part of a larger portfolio of defaulted accounts.
Although I cannot speak to Ms. [redacted]'s memory of her debt, I can state that we believe it to be nothing other than just and due. It should be noted that in order for a creditor to sell an account, they must validate it within the strict regulations of the FDCPA. This means that they must evidence the originator of the account (Ms. [redacted]) as well as report the matter to the consumer's credit report, show some form of payment history and ensure that the account was not included in a Bankruptcy or cited as fraudulent. Since the account was deemed valid within these regulations, we must assume this is Ms. [redacted]'s debt.
That being stated, I have appealed to my administrators regarding this matter. Due to the involvement of your office, they have instructed me to render Ms. [redacted]'s file closed. All associated contact information has been erased and it shall not be subject to transfer or sale.
Thank you very much for your assistance in this matter.
Sincerely,
[redacted]
Compliance Manager

Dear Revdex.com, The account in question was a [redacted] Bank credit card that Ms. [redacted] opened and kept active for quite some time until several months of non-payment prompted the original creditor to render it closed in August of 2003. Shortly following this default, the original creditor placed...

the account with many outside collection agencies for recovery of the full balance, at the time totaling $1,825.03. Of the four agencies to do so, it was noted that all efforts were exhausted and none were able to obtain any form of payment from Ms. [redacted]. Eventually, the original creditor was forced to sell the account in a last-ditch effort to recoup a small portion of the losses they sustained. ARA Inc. purchased the file as part of a larger portfolio of defaulted accounts. I thoroughly reviewed Ms. [redacted]’s file as well as interviewed Ms. [redacted], the representative with whom she spoke. Ms. [redacted] states that on January 26, 2017 she received a call from Ms. [redacted], who stated she was returning a voicemail she had received. Ms. [redacted] states that following identity verification, she relayed the pertinent details of her account. Ms. [redacted] states that Ms. [redacted] expressed that she did not recall the account, but requested something in writing detailing the debt that she would review. Ms. [redacted] states she agreed to send a letter out and they ended the call. Although I cannot speak to Ms. [redacted]’s memory of her debt, I must state that we believe there to be no error. It should be noted that not only was her account sold in a federally regulated sale, for which complete validation must be presented by the selling party, but the original creditor even made this a matter of public record following default. In the seven years this was listed to her credit report, none of the credit reporting agencies received any form of dispute from Ms. [redacted] for this particular trade line. Additionally, as her file reflects, Ms. [redacted]’s name and social security number are attached to this debt and payments were received to keep this account open and active for over two years. It was only when the payments abruptly ceased that the original creditor closed and eventually sold the account. I must state that we find ourselves in a rather unfortunate industry. The nature of our business often elicits disdain from those who we have informed have neglected their debts and are still liable for them. Regardless, I have presented this matter to my administrators for their consideration. Due to the involvement of your office, I have been instructed to render Ms. [redacted]’s file closed. All associated contact information has been purged and it shall not be subject to transfer or sale. Thank you very much for your assistance in this matter. Sincerely,   [redacted] Compliance Manager

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Sincerely,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Sincerely,
[redacted]

Initial Business Response /* (1000, 6, 2015/04/22) */
Dear Ms. [redacted]
The account in question was a [redacted] Oil account that Ms. [redacted] opened and kept active for quite some time until several months of non-payment prompted the original creditor to render it closed in August of 1997. The...

original creditor then placed the account with many outside collection agencies for recovery of the full balance, at the time totaling $537.51. Of all the agencies to do so, it was noted that all efforts were exhausted and none were able to obtain any form of payment from Ms. [redacted]. Eventually, the original creditor was forced to sell the account in a last-ditch effort to recoup a small portion of the losses they sustained. ARA Inc. purchased the file as part of a larger portfolio of defaulted accounts.
I reviewed the account as well as interviewed Mr. [redacted], the representative with whom Ms. [redacted] spoke. Mr. [redacted] states that on April 16, 2015 at around 2:44 P.M. CST, he contacted Ms. [redacted] to seek a resolution on her defaulted account. He states that following identity verification, he relayed the pertinent details of her account to her. He states that Ms. [redacted] acknowledged the account as hers but stated she had tried to resolve years ago. Mr. [redacted] states that he offered her a highly reduced settlement to close out the account but Ms. [redacted] stated she wanted it in writing first. Mr. [redacted] states that he told her he would send something in writing out right away and ended the call.
As for the alleged behavior of our representative, I must state that I have thoroughly checked the Mr. [redacted]'s personnel files and can find no instance of such alleged behavior having ever occurred. Regardless, I have placed him on a supervisory period lasting no less than 30 days. This includes increased monitoring and weekly reviews.
To address Ms. [redacted]'s assertion that because her debt has accumulated age it is therefore rendered invalid, I must disavow her of that notion. Our company deals with the difficult practice of recovering long-past due and neglected debts, from which consumers are at times less than pleased with hearing they owe such debts. Additionally, it should be noted that once a debt is created, it is considered due until it is paid, belongs to that has passed away, or is proven to be fraudulent, regardless of the possibility of legal enforcement. Since Ms. [redacted]'s account does not meet any of these requirements for a discharged debt, we must assume it is hers and remains just and due.
I have appealed to my administrators regarding this matter. Although they firmly believe Ms. [redacted]'s debt to be justly owed, due to the involvement of your organization, they have instructed me to render it closed. All associated contact information has been erased and it shall not be subject to transfer or sale.
Thank you very much for your assistance in this matter.
Sincerely,
[redacted]
Compliance Manager

Dear Revdex.com,   We were unable to locate the file in question. If Ms. [redacted] could provide us with more pertinent information, such as an account number or her father’s name, we could adequately ascertain the file and properly address her concerns. If she wishes, she may contact us at [redacted]...

[redacted].   Thank you very much for your assistance in this matter.   Sincerely,   [redacted] Compliance Manager

Initial Business Response /* (1000, 5, 2015/06/11) */
Dear Ms. [redacted]
The account in question was a[redacted] Bank account that Mr. [redacted] opened and kept active for quite some time until several months of non-payment prompted the original creditor to render it closed in October of 2000. The...

original creditor then placed the account with outside collection agencies for recovery of the full balance, at the time totaling $969.22. Of all the agencies to do so, it was noted that all efforts were exhausted and none were able to obtain any form of payment from Mr. [redacted]. Eventually, the original creditor was forced to sell the account in a last-ditch effort to recoup a small portion of the losses they sustained. ARA Inc. purchased the file as part of a larger portfolio of defaulted accounts.
I thoroughly reviewed the file as well as interviewed Mr.[redacted], the representative with whom Mr. [redacted] spoke. Mr.[redacted] states that on April 1, 2015 at around 10:49 A.M. CST, he contacted Mr. [redacted] in order to seek resolution on his outstanding balance. Mr.[redacted] states that following identity verification, he relayed the pertinent details of his account. Mr.[redacted] states that before he could offer Mr. [redacted] a settlement offer, he stated that the debt was old and ended the call.
To address the alleged behavior of our representative, I must state that after checking his personnel file for any indication of previous similar behavior, it would be highly unlikely from him. Regardless, I have placed him on a supervisory period lasting no less than 30 days as a precautionary measure. This includes random monitoring and weekly administrative reviews.
It seems as though Mr. [redacted] believes that because he debt has accumulated age that he is no longer liable to pay it, I must state we believe him to be mistaken. When Mr. [redacted] signed the contract to open up this credit card, he agreed that he would pay it back in full regardless of the possibility of legal enforcement. It should be stressed that a debt shall be due until it is either paid, proven fraudulent, included in a bankruptcy or the consumer is deceased. Since Mr. [redacted]'s account meets none of the criteria for a discharged debt, we must assume it remains just and due.
Although my administrators believe Mr. [redacted]'s debt is nothing other than a valid one, it is with respect to your office that they have instructed me to render his file closed. All associated contact information has been purged and it shall not be subject to transfer or sale.
Thank you very much for your assistance in this matter.
Sincerely,
[redacted]
Compliance Manager
Initial Consumer Rebuttal /* (2000, 7, 2015/06/13) */
(The consumer indicated he/she ACCEPTED the response from the business.)

Dear Revdex.com,The account in question
was a Citizens Finance loan that Mr. [redacted] opened and kept active for over two
years until several months of non-payment prompted the original creditor to
render it closed in July of 2008. Following this default, the original creditor
placed the account with...

numerous outside collection agencies for recovery of
the full balance, at the time totaling $8,083.00. Of the five agencies to do
so, it was noted that all efforts were exhausted and none were able to obtain
any form of payment from Mr. [redacted]. Eventually, the original creditor was
forced to sell the account in a last-ditch effort to recoup a small portion of
the losses they sustained. ARA Inc. purchased the file as part of a larger
portfolio of defaulted accounts.Upon review of the notes
associated with Mr. [redacted]’s file, an initial letter to notify Mr. [redacted] of
his outstanding debt was sent out to his residence November 02, 2015. The notes
indicate that was the only letter sent out to Mr. [redacted]. It should be noted
that because Mr. [redacted] assertion that because his debt was neglected for a
significant amount of time it is therefore rendered invalid, we believe that to
be a false impression. Although the time limits for legal responsibility have
run their course, once a debt is generated it is due until it is either paid,
was included in a bankruptcy or cited as fraudulent. Since Mr. [redacted] meets
none of the requirements for a discharged debt, we must assume it remains just
and due.I have presented my
administrators with this matter for their consideration. It is with the
involvement of your office that they have instructed me to render Mr. [redacted]’s
file closed. All associated contact information has been erased and it shall
not be subject to transfer or sale.Thank you very much for
your assistance in this matter.Sincerely,Ben [redacted] Compliance Manager

Dear Revdex.com,  Although the address Ms. [redacted] provided does belong to our company,it should be noted that the phone number, extension and name of the representative with whom she spoke does not. I must reiterate that we did a thorough search under the name [redacted] and it yielded no results in our database. We still firmly believe that Ms[redacted] has mistaken us with another company. Sincerely,   [redacted] Compliance Manager

Dear Revdex.com, The account in question was a [redacted] credit card that Mr. [redacted] opened and kept active for quite some time until several months of non-payment prompted the original creditor to render it closed in January of 1999. Shortly following this default, the original creditor placed the account...

with an outside collection agency for recovery of the full balance, at the time totaling $979.77. After several attempts, the agency noted that all efforts were exhausted and none were able to obtain any form of payment from Mr. [redacted]. Eventually, the original creditor was forced to sell the account in a last-ditch effort to recoup a small portion of the losses they sustained. ARA Inc. purchased the file as part of a larger portfolio of defaulted accounts. I thoroughly reviewed Mr. [redacted]’s file as well as spoke with Ms. [redacted], the representative with whom he spoke. Ms. [redacted] states that on February 16, 2017 she contacted Mr. [redacted] to seek resolution on his outstanding balance. Ms. [redacted] states that following identity verification, she relayed the pertinent details of his account. Ms. [redacted] states that Mr. [redacted] did not recall the debt, so she stated she would transfer him to a representative who could provide further details. Ms. [redacted] states she received a transferred call and spoke with Mr. [redacted] about his debt in greater detail. She states that Mr. [redacted] expressed interest in entering in a settlement agreement, but stressed that he needed something in writing first. Ms. [redacted] states that she stated she would send a letter via email and Mr. [redacted] stated he would review it and ended the call. To address the alleged behavior of our representatives, I must state it would be highly unlikely from either of them. Nonetheless, I have placed both Ms. [redacted] and Ms. [redacted] on a supervisory period lasting no less than 30 days. This includes random monitoring and weekly administrative reviews to ensure no incident similar in behavior does occur in the future. Although I cannot speak to Mr. [redacted]’s memory of his debt, it should be stated that we believe it to be a valid one. It is not uncommon for consumers to not easily recall a debt that accumulated significant age. However, that alone does not render it invalid. Our intention in contacting Mr. [redacted] was merely to offer him a reduced settlement on his outstanding balance and seek what position he held on resolution. I have conferred with my administrators regarding this matter. Due to the involvement of your office, they have instructed me to render Mr. [redacted]’s file closed. All associated contact information has been purged and it shall not be subject to transfer or sale. Thank you very much for your assistance in this matter. Sincerely,   [redacted] Compliance Manager

The account in question was a [redacted] credit card that Ms. [redacted] opened and kept active for quite some time until several months of non-payment prompted the original creditor to render it closed in September of 1999. Shortly following this default, the original creditor placed...

the account with many outside collection agencies for recovery of the full balance, at the time totaling $1,526.00. Of the three agencies to do so, it was noted that all efforts were exhausted and none were able to obtain any form of payment from Ms. [redacted]. Eventually, the original creditor was forced to sell the account in a last-ditch effort to recoup a small portion of the losses they sustained. ARA Inc. purchased the file as part of a larger portfolio of defaulted accounts.To address Ms. [redacted]’s assertion that she does not owe this debt, it should be stressed that prior to purchase of all accounts, we must be assured they have been validated within the strict regulations of the FDCPA. This means that the original creditor must evidence the originator of each account by verifying the name and social security number in which each was opened with. Additionally, they must report the matter to the consumer’s credit report as well as show payment history and finally ensure that it has not been included in a Bankruptcy or cited as fraudulent. Since the account was deemed valid within these regulations, we must assume it remains just and due.It should be noted that my records reflect that only one letter was sent and one message left for Ms. [redacted] regarding her outstanding balance. I must state that if she had afforded us the opportunity to explain the relevant details of our communication, she may have a different position on the matter. Unfortunately, Ms. [redacted] is still limited on the pertinent information regarding her account. At no point did she allow our company to justify or explain the nature of our contact.We have also received a CFPB complaint from Ms. [redacted] regarding this matter. I must stress that Ms. [redacted]'s file has been fully closed. Additionally, all associated contact information has been purged and it shall not be subject to transfer or sale. Ms. [redacted] shall not be contacted regarding this or any other matter.Thank you very much for your assistance in this matter.Sincerely, [redacted]Compliance ManagerTell us why here...

Dear Revdex.com, The account in question was a Citifinancial credit card that Ms. [redacted] opened and kept active for nearly five years until several months of non-payment prompted the original creditor to render it closed in January of 2005. Shortly following this default, the original creditor placed the...

account with numerous outside collection agencies for recovery of the full balance, at the time totaling $5,307.53. Of the five agencies to do so, it was noted that all efforts were exhausted and none were able to obtain any form of payment from Ms. [redacted]. Eventually, the original creditor was forced to sell the account in a last-ditch effort to recoup a small portion of the losses they sustained. ARA Inc. purchased the file as part of a larger portfolio of defaulted accounts. I thoroughly r reviewed Ms. [redacted]’s account as well as interviewed Mr. [redacted], the representative with whom she spoke. Mr. [redacted] states that on November 18. 2016 he contacted Ms. [redacted] to seek resolution on her outstanding balance. Mr. [redacted] states that following identity verification, he relayed the pertinent details of her account. He states that Ms. [redacted] immeditaley became irate and stated she would be contacting the attorney general. Mr. [redacted] states he relayed that he was merely attempting to notify Ms. [redacted] of an outstanding balance. Mr. [redacted] states Ms. [redacted] then abruptly ended the call. As for the alleged behavior of Mr. [redacted], I must state it would be highly unlikely from him. However, due to the nature of the complaint, I have placed him on a supervisory period lasting no less than 30 days. This includes random monitoring of all calls and weekly administrative reviews to ensure no incident similar in behavior does occur in the future. It seems as though Ms. [redacted] is operating under the false impression that because her debt has accumulated significant age, she is no longer responsible for said debt. It should be noted that a debt shall remain due until it is either paid; the debtor is deceased, was included in a Bankruptcy or cited as fraudulent. Since Ms. [redacted]’s account meets none of the requirements of a discharged debt, we must assume it remains just and due. Regardless, I have presented this matter to my administrators for their consideration. Due to the involvement of your office, I have been instructed to render Ms. [redacted]’s file closed. All associated contact has been purged and it shall not be subject to transfer or sale. Thank you very much for your assistance in this matter. Sincerely,   [redacted] Compliance Manager

Dear Revdex.com, Ms. [redacted] does not appear in our system. Upon review of her complaint, she cites a message being left for her by a representative named [redacted]. It should be noted that we do not have anyone named [redacted] under our employ. This leads me to believe that Ms. [redacted] has mistaken us with another...

company. We regret the confusion. Thank you very much for your assistance in this matter. Sincerely, [redacted] Compliance Manager

Complaint: [redacted]
I am rejecting this response because: I couldn't apply for credit, paid for everything with cash. For years I would cash my payroll checks, pay rent with cash or money order. I lived in Inglewood,CA for 20 yrs, currently living in Rosenberg,TX since 01/17/2010.This account is fraudulent, opened by a former relative(my ex-husband's niece) who opened an account w/[redacted], which closed decades ago. I was contacted by a collection agency, their investigation proved the social security number she used to open the account was false, the address they had on file did not match.  Several years ago another collection agency contacted me about this, they kept insisting I owe this, I asked for proof, never heard from them again until I received a letter. All accounts I have are open, paid on time. I have NONE in collections.
Sincerely,
[redacted]