Merchants & Professional Credit Bureau Inc

This account was assigned to us for collection on September 29, 2014. MPB received Ms. [redacted]’s letter disputing the debt on December 27, 2016. We mailed complete and proper validation as required by law on January 13, 2017. In our response we answered her questions as follows:   Who is the...

original creditor---we supplied an itemized statement from our client, [redacted] , showing their account number of [redacted]. What the original amount owed was and the payment history---the itemized statement showed the charge by our client was $144.00 and indicated the payment history of $0.00 received. Document she signed agreeing to pay someone---our client provided the admittance/financial responsibility form which had her signature.What was the original date of delinquency---the itemized statement showed procedure date of 6/2/2014.Agreement that grants authority to collect or proof of acquisition by assignment---we did not provide a copy of our client service agreement. This is not a requirement by law when validating a debt. What did you pay for this account---Our letter stated “MPB does not purchase debts. Our client has assigned the above reference account to us for the purpose of collecting on the outstanding balance due them.”   As required by law, we notified all three credit reporting repositories that the account was in dispute on our monthly update to them on January 7, 2017.   At this time, however, because of Ms. [redacted]’s continued dispute of this debt we have cancelled and returned the account back to our client. As stated earlier, the debt still belongs to our client and we have no control over how the account will be handled in the future.   We have notified all three credit repositories to delete our reporting of the account from Ms. [redacted]’s file. Tell us why here...

Revdex.com-[redacted]   Case#[redacted] Our records indicate that these debts were incurred during [redacted]’ marriage. Some show [redacted] as the person receiving services and some show his then spouse receiving services. On one account his minor child received services. On the...

electric company bill it shows both their names. We have spoken with [redacted] in the past concerning some of these debts. We have also sent letters to him regarding all the accounts. Since Texas is a community property state and the Family Code states a spouse is liable for “necessaries” we are allowed to hold [redacted] responsible for the payment of these debts and can report them on the credit file as unpaid debts. If [redacted] can send me a copy of the divorce papers that indicate his marriage was dissolved prior to the time these debts were incurred I can get those cleared from his credit report.     "The Texas Family Code, Chapter 2 Subchapter F. Rights and Duties of Spouses Sec. 2.501. Duty to Support. (a) Each spouse has the duty to support the other spouse. (b) A spouse who fails to discharge the duty of support is liable to any person who provides necessaries to the spouse to whom support is owed." If [redacted] is interested in obtaining more information or has additional information that he feels we should be made aware of he can contact me. Our office number is ###-###-#### and we are open Monday through Friday 7:45 to4:30. Regards,[redacted]Tell us why here...

Complaint: [redacted]
I am rejecting this response because: This is not my debt! I've never applied for, never signed for, and have never received any jewelry from Merchant & Professional nor anyone they represent it. Please provide the name of this mysterious clients with your next response so that I may dispute and file a complaint against them for this fraudulent account? 
Regards,
[redacted]