ComplaintsforMerchant's Credit Guide Co.
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Complaint Details
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Initial Complaint
10/30/2022
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
This company has opened a bogus account in my name on October 29, 2022 and is intentionally harming my credit. The company is falsely claiming I have a balance and have not made payments per my credit bureaus that reported this account as Identity Theft to me via their identity theft alert system.Business response
11/04/2022
I can assure you we did not open a bogus account in ******************** name. Our client placed this account with our company for collection on 7/11/22. Upon receipt of his complaint, we reached out to our client. Upon review of the account, and in light of ******************** complaint, our client instructed us to close the account and remove the collection item from ******************** credit reports. We will submit the deletion to the credit bureaus today. It generally takes the credit bureaus to a few days to process.Customer response
11/04/2022
Complaint: 18333876
I am rejecting this response because:
Sincerely,
***********************Business response
11/10/2022
No reason given for the rejection. We have done what **************** asked for.Initial Complaint
06/28/2022
- Complaint Type:
- Billing Issues
- Status:
- Answered
15 U.S.C **** SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C **** SECTION 604 A SECTION 2: it also states a consumer reporting agency cannot furnish a account without my written instructions.Business response
07/05/2022
****************' privacy rights have not been violated, nor are we a consumer reporting agency. We are a third-party debt collector. Two of our clients, ****************' creditors, have each placed an account with our company for collection owed by ****************. The credit reporting status of these accounts have been updated to reflect his dispute. The credit reporting of these two accounts remains accurate. We will send **************** account documentation as verification of the debts. We stand ready to be of assistance to **************** when he is ready to work toward resolution.Initial Complaint
06/07/2022
- Complaint Type:
- Billing Issues
- Status:
- Answered
On April 5, 2022, Merchants Credit Guide Company received my letter requesting validation of the account they are reporting to the credit bureaus **************. As of today, they have not responded to my request for verification of this debt. And there is no evidence they did. Under the Texas Consumer Law, where a consumer has disputed the accuracy of an account in writing to a 3rd party debt collector, the ***-collector is mandated to send a letter in writing to the consumer within 30 days either (1) Denying the inaccuracy of the account; (2) Admitting the inaccuracy; or (3) Stating that the third party collector has not had adequate time to investigate the inaccuracy. 392.202(a)-(e). The debt buyer never sent me a letter validating the account, or admitting or denying the inaccuracy thereof. Yet they continue collection activity including reporting to the credit bureaus. At this point I am respectfully requesting collector remove the invalidated account from my credit reports. I am making every effort to resolve this matter without presenting my case before a courtroom jury in my community. Thank you for your assistance in this matter.Business response
06/14/2022
The letter we received from **************** was responded to on 4/14/22, nine days after we received his letter and certainly within the 30 day time frame required by ***** law. Our response included verification of the debt, the name and address of the creditor, the date of service, and a full accounting of the charges incurred and the payments and credits applied. We sent this verification of the debt to the address provided on this complaint. We have not received any returned, undelivered. Nevertheless, in light of the age of the debt and ******************** unfortunate circumstances, we removed the collection item from his credit report on 6/8/2022. In addition, we mailed confirmation of said deletion to ****************.
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Customer Complaints Summary
3 total complaints in the last 3 years.
0 complaints closed in the last 12 months.