General Revenue Corporation

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
Regards,
[redacted]
That pdf file was password protected and I could not review it. Can the company show proof that I owe this debt? Can they add a file or statement showing anything?

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
In regards to the overly complex and more legal filled response that the company had pertaining to my issue and or complaint, I do not fill that th e response resolves any of the issues I addressed with them, nor does it directly specify what actions are being taken against the customer service representative that I had filled a verbal complaint against. I have made multiple phone calls to General Revenue Corp, each time I have been directed to same person that is rude and does not listen to anything that I have attempted to tell her. Even when speaking to a supervisor I advised them of payments that had been made directly to the school in which the fees were due and was told that they do not see said payments therefore cannot update there system. I even made attempts to contact the school to resolve the situation and with no luck there I requested that they at least provide General Revenue Corp with the correct balance on the account so as to show that payments are being made on my end as quickly as possible so that I may resolve this issue. Being a [redacted] employee as well as a member of the U.S. military I did not/ nor have I ever intentionally not paid a debt and my credit report prior to this issues shows that. As for General Revenue Corporation stating that they do not rreport to credit reporting agencies, the information directly specified on my report stats General Revenue Corp, thus the reason I asked for assistance with taking this off of my credit. I appreciate General Revenues timely response to this matter as well as any and all assistance being provided by the Revdex.com.
Regards,
[redacted]

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

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.  If you and the business have reached an agreement and compliance is set for a future date, we trust the business will comply.  Please contact us after that time if the matter is not resolved as agreed and we will review the complaint and proceed accordingly.]
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. 
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.The business indicates: "Upon review of the file, records do not substantiate excessive calls or any intent to harass the consumer."  I would think one minute between call attempts is excessive when it was more than one time a day and several times a week.  The company would not indicate who they were or what they wanted but yet wanted me to give my personal information to identify myself.  If they would like to correspond then I request mail correspondence only.  If it is agreed that no further phone contact will be made then please close the case. 
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]

January 5, 2016Cincinnati Revdex.comAttn: [redacted]1 East 4th Street, Ste. 600Cincinnati, OH 45202File Number: [redacted]Dear [redacted]:We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaint#[redacted]. We reviewed correspondence regarding the consumer...

and provide the following response:On September 14th and 16th, 2015, an individual contacted our office for information but would notconfirm that his identity matched our consumer’s record; therefore, our representatives were unable tofully address his concerns and could not provide him with the requested validation documents that containnonpublic personal information. Although our representative was unable to confirm the identity of theindividual disputing the debt owed at that time, the consumer’s account was placed in a dispute statuspending further validation.The dispute indicator was transmitted to the Credit Reporting Agencies on 12/01/15 when the initialreporting occurred on this account. On December 4, 2015, the individual contacted our office again andconfirmed his identity matched our consumer's record. Our management staff then worked diligently toprovide the consumer with all available validation documents pertaining to his account. The consumerdisputed the debt owed, but he wished to pay the balance in full. The consumer also wanted confirmationthat if the balance was paid in full, our company would then remove the negative mark from his creditbureau report. Unfortunately, the consumer was not offering to pay the balance using a method ofpayment accepted by our company. Under these circumstances, we would not remove the informationfrom the consumer's credit reports but can update the information reported to state the account was paid infull. On January 4, 2016, our client notified our company that the consumer’s account had been paid infull. The consumer’s account has been closed from our office and will be updated with the creditreporting agencies on February 1, 2016 as paid in full.Upon review of the file, records indicate our representatives behaved in a calm and professional mannerduring each communication with the consumer. By signing the Promissory Note, the consumer agreed tothe terms regarding principal, interest, and penalty charges assessed to the account. When signing theapplications, the consumer indicated reading and agreeing to the terms of the Promissory Notes and ouroffice is unable adjust the terms.We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.com. Wealso understand the Revdex.com may or may not publish the consumer’s complaint and our responses on theRevdex.com’s website. By posting this information on your website, we believe that the Revdex.com has assumedresponsibility for protecting the consumer’s privacy, and non-public information from being viewed bythird parties. Pursuant to section 805(b) of the Fair Debt Collection Practices Act (FDCPA) 15 U.S.C. §1692c(b), “without the prior express consent of the consumer given directly to the debt collector, or theexpress permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate in connection with the collection of anydebt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwisepermitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.” Inaddition there may be other federal and/or state privacy laws that apply to release of informationregarding the consumer in question. Therefore, because of the possibility that the consumer’s complaint and our response may be publicly posted on the Revdex.com website, we have omitted all nonpublic, personalinformation regarding the consumer from our response.

April 21, 2017Cincinnati Revdex.comAttn: [redacted]7 West 7th Street, Ste. 1600Cincinnati, OH 45202File Number: [redacted]Dear [redacted]:We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond tocomplaint # [redacted]. We have received and reviewed the correspondence...

received regardingthe complainant and provide the following response:While we understand the expressed concerns from the complainant; we are unable to disclose theinformation he is requesting as he is an unauthorized third party. Should his son contact ouroffice and grant permission to disclose information, our representatives would be glad to assistthe complainant with his questions.We agree it is our responsibility to attempt to resolve consumer complaints presented to theRevdex.com. We also understand the Revdex.com may or may not publish the consumer’s complaint and ourresponses on the Revdex.com’s website. By posting this information on your website, we believe that theRevdex.com has assumed responsibility for protecting the consumer’s privacy, and non-publicinformation from being viewed by third parties. Pursuant to section 805(b) of the Fair DebtCollection Practices Act (FDCPA) 15 U.S.C. § 1692c(b), “without the prior express consent of theconsumer given directly to the debt collector, or the express permission of a court of competentjurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debtcollector may not communicate in connection with the collection of any debt, with any personother than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law,the creditor, the attorney of the creditor, or the attorney of the debt collector.” In addition, theremay be other federal and/or state privacy laws that apply to release of information regarding theconsumer in question. Therefore, because of the possibility that the consumer’s complaint and ourresponse may be publicly posted on the Revdex.com website, we have omitted all nonpublic, personalinformation regarding the consumer from our response.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
Regards,
[redacted] The problem I have with them is that they won't call for about two months, then start calling again.  They pass the file off to an office in another city, and begin the process again.  This has gone on all this year.  If the matter was really resolved, I would never have heard from them again.  But what they do is to lay low for a while, then start up again.  What really bothers me is that all they had to do is see that this number is a land line phone in [redacted], and the city of the person that they are looking for, who is of the opposite sex, lives fifty miles away.  But I have been harassed again and again and again all this year about the same person.    All I am going to say is that if they ever call me again, I am taking them to court.  Thank you for at least getting the empty words that they gave.

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.  If you and the business have reached an agreement and compliance is set for a future date, we trust the business will comply.  Please contact us after that time if the matter is not resolved as agreed and we will review the complaint and proceed accordingly.]
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.  However, I will say that one of your representatives was extremely rude.
Regards,
[redacted]

We thank the Revdex.com (Revdex.com) for the
opportunity to investigate and respond to complaint # [redacted] We received and
reviewed the correspondence regarding the consumer and provide the following
response: On January 7, 2016, our client placed the consumer’s account
within our office....

On January 8, 2016, we mailed the initial validation
correspondence to the consumer’s address placed with the account. We have had
no contact with the consumer. Upon notification through your office, we placed
the account in a disputed status and ceased efforts to contact the consumer. Our office has requested Itemization of Charges from the
client. Upon receipt, copies of these documents will be mailed to the consumer.
Upon receipt of Itemization of Charges, we suggest the consumer contact the
office to discuss this matter. We agree it is our
responsibility to attempt to resolve consumer complaints presented to the Revdex.com.
We also understand the Revdex.com may or may not publish the consumer’s complaint and
our responses on the Revdex.com’s website. By posting this information on your website,
we believe that the Revdex.com has assumed responsibility for protecting the
consumer’s privacy, and non-public information from being viewed by third
parties. Pursuant to section 805(b) of the Fair Debt Collection Practices Act
(FDCPA) 15 U.S.C. § 1692c(b), “without the prior express consent of the
consumer given directly to the debt collector, or the express permission of a
court of competent jurisdiction, or as reasonably necessary to effectuate a
post judgment judicial remedy, a debt collector may not communicate in
connection with the collection of any debt, with any person other than the
consumer, his attorney, a consumer reporting agency if otherwise permitted by
law, the creditor, the attorney of the creditor, or the attorney of the debt
collector.” In addition, there may be other federal and/or state privacy laws
that apply to release of information regarding the consumer in question.
Therefore, because of the possibility that the consumer ’s complaint and our
response may be publicly posted on the Revdex.com website, we have omitted all
nonpublic, personal information regarding the consumer from our response.

We thank the Revdex.com (Revdex.com) for the
opportunity to investigate and respond to complaint # [redacted]. We received and
reviewed the correspondence regarding the consumer and provide the following
response: On March 30, 2016, our client placed the consumer’s account
with our office. At...

the time of placement, the initial validation notice was
sent to the consumer via regular mail. Our office has left one federally
compliant message on the consumer’s personal recording device, but has not had
the opportunity to discuss this matter with them. Upon review of the file, we ascertain no merit to
allegations raised by the consumer. Records do not substantiate harassment as
defined by Federal, State, and Local laws and regulations. As a matter of
explanation, calls are intended to maintain an open line of communication to
aide consumers in resolving their accounts and remain up-to-date on the status
of their account; these calls are not intended to harass. Any communication
intends to remind consumers of an obligation, help to avoid negative
consequences, and inform consumers about options for resolution. We will continue to send written correspondence regarding
the account to the established address in compliance with all Federal, State,
and Local laws and regulations. Additionally, provided the consumer grants us
permission to communicate with the consumer regarding the account via
telephone, the consumer may also call and speak with our office with any
questions or concerns. We agree it is our responsibility to attempt to resolve
consumer complaints presented to the Revdex.com. We also understand the Revdex.com may or may
not publish the consumer’s complaint and our responses on the Revdex.com’s website. By
posting this information on your website, we believe that the Revdex.com has assumed
responsibility for protecting the consumer’s privacy, and non-public
information from being viewed by third parties. Pursuant to section 805(b) of
the Fair Debt Collection Practices Act (FDCPA) 15 U.S.C. § 1692c(b), “without
the prior express consent of the consumer given directly to the debt collector,
or the express permission of a court of competent jurisdiction, or as
reasonably necessary to effectuate a post judgment judicial remedy, a debt
collector may not communicate in connection with the collection of any debt,
with any person other than the consumer, his attorney, a consumer reporting
agency if otherwise permitted by law, the creditor, the attorney of the
creditor, or the attorney of the debt collector.” In addition, there may be
other federal and/or state privacy laws that apply to release of information
regarding the consumer in question. Therefore, because of the possibility that
the consumer’s complaint and our response may be publicly posted on the Revdex.com
website, we have omitted all nonpublic, personal information regarding the
consumer from our response.

February 23, 2017 Cincinnati Revdex.comAttn: [redacted]1 East 4th Street, Suite 600Cincinnati, OH 45202File Number: [redacted]Dear [redacted]:We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond tocomplaint # [redacted]. We received and reviewed the...

correspondence from your officeregarding the consumer and provide the following response:Upon review of the file, we find no merit to allegations raised by the consumer. Our businessrecords, including account notes and recordings do not show any harassing behavior. Ourinvestigation shows our representatives were professional at all times. During our conversationwith the consumer on February 8, 2017, the consumer voluntarily took advantage of a Federalprogram in an attempt to resolve the file placed with our office. Our representatives are trained toassist consumers in successfully enrolling in this program and can help guide consumers throughthe paperwork that needs to be completed.Should the consumer have questions and/or concerns regarding the account, they can contact ouroffice.We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.com.We also understand the Revdex.com may or may not publish the consumer’s complaint and our responseson the Revdex.com’s website. By posting this information on your website, we believe that the Revdex.com hasassumed responsibility for protecting the consumer’s privacy, and non-public information frombeing viewed by third parties. Pursuant to section 805(b) of the Fair Debt Collection Practices Act(FDCPA) 15 U.S.C. § 1692c(b), “without the prior express consent of the consumer given directlyto the debt collector, or the express permission of a court of competent jurisdiction, or asreasonably necessary to effectuate a post judgment judicial remedy, a debt collector may notcommunicate in connection with the collection of any debt, with any person other than theconsumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor,the attorney of the creditor, or the attorney of the debt collector.” In addition, there may be otherfederal and/or state privacy laws that apply to release of information regarding the consumer inquestion. Therefore, because of the possibility that the consumer’s complaint and our responsemay be publicly posted on the Revdex.com website; we have omitted all nonpublic, personal informationregarding the consumer from our response.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  My complaint was not addressed. I am not asking for disclosure of private matters.I specifically asked for the companies "general business practice" in cases where payment exceeded the amount owed (i.e. if a client overpaid, will the over payment be reimbursed back to the client?). Thus, I cannot accept the response since it does not provide explanation on why a "general business practice" (e.g. for over-payment) are considered private matters.
Regards,
[redacted]

they keep sending the same message over and over. I am tired of playing their game. I am going to hire a lawyer and see what they think about that!

We thank the Revdex.com (Revdex.com) for the
opportunity to investigate and respond to complaint ID [redacted]. We received
and reviewed the correspondence regarding the consumer and provide the
following response: On February 15, 2016,
our client placed the complainant’s debt in our...

office. Our representatives
attempted to contact the complainant via telephone and regular mail. We were
unable to speak with the complainant until she contacted our office on June 8,
2016. Our representative explained the status of the debt and we do not remove
information reported to the consumer reporting agencies unless we deem the data
as being inaccurate. On June 9, 2016, the debt was paid in full. On June 10,
2016, the account was returned to our client. On July 1, 2016, we will report
the debt as paid in full-was a collection account, to the consumer reporting
agencies. In accordance with the Fair Credit Reporting Act, a paid or settled
in full account will remain on an active trade line for a period of time not to
exceed seven (7) years from the date of delinquency. As the debt has been
satisfied and the account closed, the complainant will need to address her
concerns directly to our client. We agree it is our responsibility to attempt to resolve
consumer complaints presented to the Revdex.com. We also understand the Revdex.com may or may
not publish the consumer’s complaint and our responses on the Revdex.com’s website. By
posting this information on your website, we believe that the Revdex.com has assumed
responsibility for protecting the consumer’s privacy, and non-public
information from being viewed by third parties. Pursuant to section 805(b) of
the Fair Debt Collection Practices Act (FDCPA) 15 U.S.C. § 1692c(b), “without
the prior express consent of the consumer given directly to the debt collector,
or the express permission of a court of competent jurisdiction, or as
reasonably necessary to effectuate a post judgment judicial remedy, a debt
collector may not communicate in connection with the collection of any debt,
with any person other than the consumer, his attorney, a consumer reporting
agency if otherwise permitted by law, the creditor, the attorney of the
creditor, or the attorney of the debt collector.” In addition, there may be
other federal and/or state privacy laws that apply to release of information
regarding the consumer in question. Therefore, because of the possibility that the
consumer’s complaint and our response may be publicly posted on the Revdex.com
website; we have omitted all nonpublic, personal information regarding the
consumer from our response.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.[To assist us in bringing this matter to a close, we would like to know your view on the matter.]The unauthorized party who made initial contact with the agency was my son, who cares for me. After running into difficulties trying to rectify the situation my son was spoke to a "manager" who was busy every time we tried to contact him after the first contact. Any sort of correspondence was never sent to my current address . No phone calls were made, no sort of contact ever made it to me. Considering my residence and phone number have not changed during the time they state they sent out letters I find this highly unlikely. Furthermore I contacted general revenue Corp by phone, with the help of my son, to give them permission to release my current account status to the credit agencies. On 10/11/16 I spoke with Christina, no last name given, who stated that even with my verbal consent they would not do this but would send out a letter stating that my account was paid in full. As of this date I still have not received any letter of any kind from them. After checking my own credit report recently I do see they have updated my account status. But in regards to any other steps they state were taken, I can state unequivocally that they are false.
Regards,
[redacted]

On January 18, 2013, our client placed an account in our office in the consumer’s name. The consumer paid the account in full on August 27, 2013. On September 01, 2013, our office notified the three major credit reporting agencies the consumer’s account was paid in full. It wasn’t until receipt of...

the consumer’s concerns expressed through your office that it was identified the credit reporting agencies did not update the consumer’s trade line as requested. In an effort to aid the consumer in this situation we requested the three major credit reporting agencies to delete our trade line from the consumer’s credit report. We thank the consumer for bringing this matter to our attention. The consumer needs to contact the client directly for a paid in full letter. We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.com. We also understand the Revdex.com may or may not publish the consumer’s complaint and our responses on the Revdex.com’s website. By posting this information on your website, we believe that the Revdex.com has assumed responsibility for protecting the consumer’s privacy, and non-public information from being viewed by third parties. Pursuant to section 805(b) of the Fair Debt Collection Practices Act (FDCPA) 15 U.S.C. § 1692c(b), “without the prior express consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.” In addition there may be other federal and/or state privacy laws that apply to release of information regarding the consumer in question. Therefore, because of the possibility that the consumer’s complaint and our response may be publicly posted on the Revdex.com website; we have omitted all nonpublic, personal information regarding the consumer from our response.

January 29, 2015 Cincinnati Revdex.com Attn: [redacted] 7 West 7th Street, Ste. 1600 Cincinnati, OH 45202 File Number: [redacted] Dear [redacted] We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaint #[redacted]. We have received and...

reviewed the correspondence regarding the complainant and provide the following response: On July 16, 2014, a consumer provided our office with the complainant's contact information so that the complainant may serve as reference for the consumer in the event a representative needed to verify or update the consumer's contact information. After efforts to reach the consumer failed, the representative relied upon the contact reference information previously provided by the consumer. When contacting the complainant, the purpose of our representative's call to the complainant was to verify or obtain correct contact information for the consumer and that was transparently explained to the complainant on January 15, 2015. Upon receipt of the complainant's concerns identified through our office on January 15, 2015, our systems were programmed not to dial the telephone number in the future. We appreciate notification of the matter and apologize for any inconvenience. We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.com. We also understand the Revdex.com may or may not publish the consumer's complaint and our responses on the Revdex.com's website. By posting this information on your website, we believe that the Revdex.com has assumed responsibility for protecting the consumer's privacy, and non-public information from being viewed by third parties. Pursuant to section 805(b) of the Fair Debt Collection Practices Act (FDCPA) 15 U.S.C. § 1692c(b), "without the prior express consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector." In addition there may be other federal and/or state privacy laws that apply to release of information regarding the consumer in question. Therefore, because of the possibility that the consumer's complaint and our response may be publicly posted on the Revdex.com website, we have omitted all nonpublic, personal information regarding the consumer from our response.

Cincinnati Revdex.com[redacted] 7 West 7th Street, Ste. 1600 Cincinnati, OH 45202 File Number[redacted]Dear [redacted] We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaint #[redacted]. We have reviewed your correspondence regarding...

the consumer and provide the following response: Upon receipt of the consumer's concerns identified through Revdex.com, our systems were programmed to prevent dialing the consumer's telephone number. We appreciate notification of the matter and apologize for any inconvenience we may have caused. We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.com. We also understand the Revdex.com may or may not publish the consumer's complaint and our responses on the Revdex.com's website. By posting this information on your website, we believe that the Revdex.com has assumed responsibility for protecting the consumer's privacy, and non-public information from being viewed by third parties. Pursuant to section 805(b) of the Fair Debt Collection Practices Act (FDCPA) 15 U.S.C. § 1692c(b), "without the prior express consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector." In addition there may be other federal and/or state privacy laws that apply to release of information regarding the consumer in question. Therefore, because of the possibility that the consumer's complaint and our response may be publicly posted on the Revdex.com website, we have omitted all nonpublic, personal information regarding the consumer from our response.

Upon review of the file, records do not substantiate excessive calls or any intent to harass the consumer. To further clarify, call records do not show “one minute between call attempts” to the same telephone number. Non-public information cannot be released until the party is authenticated. To ensure the privacy of the consumer’s we work with, our company name is only provided if asked until the consumer’s identity has been verified. After the consumer verifies her identity, our representatives will provide the consumer with any required information. As previously explained, our office has mailed validation documentation to the consumer’s address of record. Outbound calls ceased on the account upon receipt of the consumer’s initial complaint. Correspondence will continue by mail. The account will not be closed. If the consumer would like further assistance, she may contact our office. We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.com. We also understand the Revdex.com may or may not publish the consumer’s complaint and our responses on the Revdex.com’s website. By posting this information on your website, we believe that the Revdex.com has assumed responsibility for protecting the consumer’s privacy, and non-public information from being viewed by third parties. Pursuant to section 805(b) of the Fair Debt Collection Practices Act (FDCPA) 15 U.S.C. § 1692c(b), “without the prior express consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.” In addition there may be other federal and/or state privacy laws that apply to release of information regarding the consumer in question. Therefore, because of the possibility that the Customer’s complaint and our response may be publicly posted on the Revdex.com website, we have omitted all nonpublic, personal information regarding the consumer from our response