ComplaintsforMRS BPO, L.L.C.

• Initial Complaint

  07/11/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  In accordance with the Fair Credit Reporting Act (****** Collections Account #LU1XX1563 11/13/2021 15 U.S.C. **** Section 602 A states I have 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.15 U.S.C. 1692C

  Business response

  07/13/2022

  BBB ID: #********
  MRS Ref: LU1-15631951
  
  Dear **********************,
  
  *******, LLC (MRS) received a copy of the complaint that the consumer submitted to the Better Business Bureau of New Jersey (BBB). We welcome the opportunity to assist with this matter.
  
  The consumer suggests MRS violated provisions of 15 U.S.C. ****, and 15 U.S.C. 1692C.  The consumers desired resolution is to have the account deleted from their credit reports.    
  
  MRS initiated an investigation in order to address the concerns. Our investigation included a review of the account activity, correspondence, credit reporting history, and the information provided with the complaint.  
  
  MRS denies any suggestion that it violated collection laws in connection with the communications described in the complaint. 
  
  Our client, Spectrum, placed the consumers account with MRS for collection.  MRS attempted to contact the consumer by sending mail and email to the consumer, containing notice of the placement of the account with MRS and information related to the right to dispute the debt or request additional information about the debt in accordance with the Fair Debt Collection Practices Act.  
  
  MRS did not receive any communication from the consumer prior to this complaint.
  
  On June 24, 2022, prior to receipt of this complaint, the account was recalled and returned to our client.  
  Part of the closing process includes sending a request to Equifax, Experian and TransUnion to remove the account from the consumers credit reports.  MRS cannot affect the length of time it takes for each bureau to update its records regarding our request.  
  
  We trust that this will fulfill the consumers desired resolution.  
  
  Thank you for your courtesy and cooperation.  If you or the consumer have any additional questions or concerns regarding our investigation, you can contact MRS directly. Our contact information is below.
  
  Sincerely,
  MRS BPO, L.L.C.
  1930 *********
  ***********, ** 08003 
  ************** 
  *******************************
  
  This communication is from a debt collector.
  
  

• Initial Complaint

  06/25/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  **** uses this company for collections I guess but I'm not sure because everytime I call nobody can pull up my information or help me they always say they can not locate me. I pay them ****** almost weekly to pay this debt and I'm not comfortable working with them or giving them anymore of money because nobody can help me I am thinking about filing a civil suit against this company because how is it that im paying you all this money weekly and nobody can ever help me or find my information. They out source as well so the reps are from ***** and they hang up on me everytime I call. I feel like I'm being scammed.

  Business response

  06/30/2022

  BBB ID: #********
  MRS Ref: LU8-1669777
  
  Dear **********************,
  
  *******, LLC (MRS) received a copy of the complaint that ********************* (the Consumer) submitted to the Better Business Bureau of New Jersey (BBB). We welcome the opportunity to assist with this matter.
  
  The consumer indicates that when they call MRS ****** can pull up their account.  They indicate they have already made payments and they are becoming uncomfortable working with MRS or paying more money because ****** can help them.  The consumer is concerned they are being scammed.  The consumers desired resolution is to be contacted by MRS to finish the job.    
  
  MRS initiated an investigation in order to address the concerns. Our investigation included a review of the account activity and the information provided with the complaint.  
  
  The complaint is regarding an account that our client, AT&T Mobility, placed with MRS for collection.  The consumer has had multiple contacts with MRS *************** and agreed to various payment arrangements.  MRS mailed letters to the consumer each time a new payment arrangement was made, and each time a payment was due to be processed.  
  
  On June 27, 2022, after this complaint was submitted to the BBB, the consumer spoke with one or our *************** and established a new payment arrangement to resolve the remaining balance.  We believe this arrangement satisfied the consumers desired resolution.  
  
  MRS apologizes to ********************* for any inconvenience or misunderstanding.  
  
  Thank you for your courtesy and cooperation.  If you or ***************** have any additional questions or concerns regarding our investigation, you can contact MRS directly. Our contact information is below.
  
  Sincerely,
  MRS BPO, L.L.C.
  1930 *********
  ***********, ** 08003 
  ************** 
  *******************************
  
  This communication is from a debt collector.
  
  

• Initial Complaint

  06/24/2022

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  cease and dedist collections and stop calling my dads cell no.************** and moms **************, dad #** calls documented and 7 moms. you are collecting a debt included in the 2019 capitalonesettlement.com, capitalone sold to your firm alliance one and now *****************. send back today or face T.c.p.a. lawsuit and all other my attorney chooses. pay us $5000.00 for 18 calls after cease communication order see attached.

  Business response

  07/01/2022

  BBB ID: #********
  MRS Ref: LU5-633695
  
  Dear **********************,
  
  *******, LLC (MRS) received a copy of the complaint that the consumer submitted to the Better Business Bureau of New Jersey (BBB). We welcome the opportunity to assist with this matter.
  
  Recap of Complaint
  The consumer requests MRS cease and desist and stop calling specific phone numbers belonging to relatives.  The consumer alleges MRS placed multiple calls to phone numbers ending in **** and ****.
  
  The consumer indicates MRS is collecting a debt that was included in a 2019 settlement.  
  
  The consumer believes the account was sold to MRS and/ or others.  The consumer instructs MRS to send the account back or face a lawsuit.
    
  The consumer alludes to a cease communication order which they suggest was attached with the complaint.
  
  The consumers desired resolution is a correction to their credit report and a refund. 
  
  Response
  MRS denies any suggestion that it violated collection laws in connection with the communications described in the complaint.
  
  What we did when we received the complaint
  MRS initiated an investigation in order to address the concerns. Our investigation included a review of the account activity, correspondence, and the information provided with the complaint. 
  
  What we found
  On May 27, 2022, our client placed the account with our office for collection. MRS does not own the account.  MRS mailed a letter containing notice of the placement of the account with MRS and information related to the right to dispute the debt or request additional information about the debt in accordance with the Fair Debt Collection Practices Act.  
  
  MRS does not have a record of any verbal or written communication with or from the consumer or anyone else regarding the account.  There was no attachment included with the complaint that MRS ******************************** is not aware of any 2019 settlement that would or would not have included the account.  
  
  MRS did not place any calls to the phone number ending ****, and only nine (9) call attempts to the phone number ending ****.  If the consumer received other calls at these phone numbers, they were not calls from MRS.  
  
  MRS did not credit report the account.  
  
  What we are doing to help
  MRS recommends the consumer contact *********** with any questions regarding the account. The consumer can contact *********** at:
  ***********
  Attn: General Correspondence
  PO BOX 30285
  **************, ** 84130-0285
  **************
  
  Per the consumers desired resolution, MRS will not attempt to contact them further regarding the account. The account has been returned to the creditor. 
  
  Thank you for your courtesy and cooperation.  If you have any additional questions or concerns regarding our investigation, you can contact MRS directly. Our contact information is below.
  
  Sincerely,
  MRS BPO, L.L.C.
  1930 *********
  ***********, ** 08003 
  ************** 
  *******************************
  
  This communication is from a debt collector.
  
  

  Customer response

  07/01/2022

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

• Initial Complaint

  06/20/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I have called and tried to pay my acct I get transferred around and nobody can help Me !!! They just transfer me I use the portal and it will not take me to the acct to pay!!! I need help NOW thank you ********************** **********

  Business response

  06/23/2022

  BBB ID: #********
  MRS Ref: LU7-7655924
  
  Dear **********************,
  
  *******, LLC (MRS) received a copy of the complaint that ******************************* (Consumer) submitted to the Better Business Bureau of New Jersey (BBB). We welcome the opportunity to assist with this matter.
  
  The consumer states they are attempting to resolve an account but they keep getting transferred and cannot use the MRS ******* portal.  The customer is requesting assistance to resolve the account.
  
  Upon receipt of this complaint, MRS attempted to call the consumer but was unsuccessful.  
  
  The customer may use the creditors online **** pay system at www.verizonwireless.com/paymybill. The consumer will need to enter their ******* account number which is ***************. They will also need their zip code for verification. From there, they will see what options are available to pay the account.
  
  Payment for this account cannot be made using the MRS ******* portal.  The consumer may contact MRS and speak with a representative by calling ************.
  
  MRS sincerely apologizes to ******************************* for any inconvenience or misunderstanding.
  
  Thank you for your courtesy and cooperation.  If you or ******************************* have any additional questions or concerns regarding our investigation, you can contact MRS directly. Our contact information is below.
  
  Sincerely,
  MRS BPO, L.L.C.
  1930 *********
  ***********, ** 08003 
  ************** 
  *******************************
  
  This is an attempt to collect a debt and any information obtained will be used for that purpose
  This communication is from a debt collector.
  
  

• Initial Complaint

  06/02/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  The following account, with the following number #LU1XX1024**** was opened on 04/25/2019 without my permission and added to my credit report for the amount of $453.00 dollars. This is considered a fraud, nevertheless, this is a violation of my rights as a consumer. Furthermore, this company never verified the account with any supporting evidence as required under 15 usc ****g I demand this account to be removed as soon as possible from all the credit reporting agencies including Experian, Equifax and Transunion. I also demand $1,000 per occurrence for this violation.

  Business response

  06/09/2022

  BBB ID: #********
  MRS Ref: LU1-10244376
  
  Dear **********************,
  
  *******, LLC (MRS) received a copy of the complaint that ***************************** (Consumer) submitted to the Better Business Bureau of New Jersey (BBB). We welcome the opportunity to assist with this matter.
  
  Recap of Complaint
  The consumer stated MRS added an account to their credit report without their permission.  The consumer considers this to be fraud and a violation of their rights.  The consumer states MRS never verified the account as required under 15 USC 1692g.  The consumer demands the account to be removed from all the credit reporting agencies including Experian, Equifax and Transunion.  The consumer also demands $1,00 for the violation.  
  
  Response
  MRS denies any suggestion that it violated collection laws in connection with the communications described in the complaint. MRS will not be paying $1,000.
  
  What we did when we received the complaint
  MRS initiated an investigation in order to address the concerns. Our investigation included a thorough review of the account activity, correspondence, credit reporting history, and the information provided with the complaint. We also contacted our client for additional information.  
  
  What we found
  The complaint is regarding an account that our client, ************ Ohio ******* placed with MRS for collection (Account) on April 25, 2019. The placement included the consumers name, SSN, and address. MRS mailed a letter to the consumer at the address provided. The letter contained notice of the placement of the account with MRS and information related to the consumers right to dispute the debt or request additional information about the debt in accordance with the Fair Debt Collection Practices Act. MRS did not receive any communication from the consumer prior to the receipt of this complaint.
  
  What we are doing to help
  Upon receipt of this complaint, MRS requested our client provide documentation to support the validity of the subject account. As of the date of this response, we have not received the requested documentation.
  
  MRS requested deletion from credit reporting. MRS sent this request to Equifax, Experian and TransUnion. MRS cannot affect the length of time it takes for each bureau to update its records regarding our request. 
  
  MRS suspended collection efforts regarding this account. We will mail any documentation MRS receives from our client to the consumer upon receipt. MRS will not attempt to contact the consumer for a minimum of 30 days from the date that we provide validation of the subject account. While MRS will suspend efforts to communicate with the consumer regarding the subject account, the consumer is free to contact MRS to discuss the matter at their convenience. The consumer is also free to communicate with MRS in writing.
  
  MRS apologizes to ***************************** for any inconvenience or misunderstanding.
  
  Thank you for your courtesy and cooperation.  If you or ***************************** have any additional questions or concerns regarding our investigation, you can contact MRS directly. Our contact information is below.
  
  Sincerely,
  MRS BPO, L.L.C.
  1930 *********
  ***********, ** 08003 
  ************** 
  ***************************
  
  This communication is from a debt collector.
  
  

• Initial Complaint

  05/17/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  This is a debt collection agency who has been bothering me since 2020. I filed a BBB report in 2020 and they stopped trying to collect on a debt that I did not create. They say I purchased $489.32 from Flexshopper, LLC on 9/30/2019. I have never purchased anything from this LLC. My credit score of 870 suggests that I always pay my bills and have never had a debt collection problem. I wrote to them to say that I did not make the purchase and they still sent me a **** for $489.32. How can I resolve this problem? Your suggestions would be appreciated. I have no record of any purchase of this type and my credit card bills have always been paid on time.

  Business response

  05/23/2022

  BBB ID: #********
  MRS Ref: LU1-16098815
  
  Dear **********************,
  
  *******, LLC (MRS) received a copy of the complaint that *************************** (Consumer) submitted to the Better Business Bureau of New Jersey (BBB). We welcome the opportunity to assist with this matter.
  
  Recap of complaint
  Consumer suggests that MRS is a debt collection agency who has been bothering them since 2020.
  
  Consumer states that they filed a BBB report in 2020 and they stopped trying to collect on a debt that the consumer did not create. The consumer states they have never purchased anything from Flexshopper, LLC.  The consumer states they wrote to them to say that the consumer did not make the purchase and they still sent the consumer a **** for $489.32.
  
  The consumer states they have no record of any purchase of this type, and is asking how they can resolve this problem.  The consumers desired resolution is to have no further contact by the business.
  
  Response
  MRS denies any suggestion that it violated collection laws in connection with the communications described in the complaint.  This complaint is the first dispute, and the first request to cease and desist communication with the consumer. 
  
  What we did when we received the complaint
  MRS initiated an investigation in order to address the concerns. Our investigation included a thorough review of the account activity, correspondence, and the information provided with the complaint.   
  
  What we found
  This complaint is regarding an account that our client, *************** Services, LLC, placed with MRS for collection (Account).  MRS does not own the account at issue.  
  
  MRS received the subject account from our client on March 28, 2022. MRS sent a letter to the consumer containing notice of the placement of the account with MRS and information related to the right to dispute the debt or request additional information about the debt in accordance with the Fair Debt Collection Practices Act.  MRS did not receive any communication from the consumer prior to this complaint.
  
  MRS is not aware of any complaint the consumer filed with the BBB in 2020.  
  
  The consumer states that they wrote to them to say that they did not make the purchase and they still sent the consumer a ****.  MRS is not aware of any correspondence or dispute prior to this complaint, whether that dispute was via a prior complaint filed with the BBB, directly to the creditor, and/ or via any other entity. 
  
  Actions we have taken or are taking
  Per the consumers request, MRS will cease efforts to contact the consumer regarding the subject account. The account has been returned to the current creditor.
  
  MRS recommends the consumer contact *************** Services, LLC with any questions regarding the account.
    
  MRS apologizes to *************************** for any inconvenience or misunderstanding.
  
  Thank you for your courtesy and cooperation.  If you or *************************** have any additional questions or concerns regarding our investigation, you can contact MRS directly. Our contact information is below.
  
  Sincerely,
  MRS BPO, L.L.C.
  1930 *********
  ***********, ** 08003 
  ************** 
  ***************************
  
  This communication is from a debt collector.
  
  

• Initial Complaint

  05/15/2022

  Complaint Type:

  Product Issues

  Status:

  Resolved

  More info

  Dear Madam or Sir: *** I hope all is great. This compliant is regarding a company that is in clear violation of FDCPA. This entity has been receiving written notices from me regarding their alleged claim which eventually I requested them to Cease and Desist their activities due to many reasons and send it back to original claimer but they have disregarded my demands and illegally, unethically and deceptively attempted calling non relevant parties and none related business associates to purposely cause damage to my reputation. This company is alleging something that has been claimed by other entities and their action has created confusion dramatically. Every time that this entity sent a written notice I replied and responded in tamely manner. I have been in contact with original claimer in order to resolve the matter and this entity ignores the fact and illegally tries to collect something that has NOT BEEN VALIDATED legally and properly. As you know there is NO LAW nationwide that compels consumers to deal with a collection agency and no others. In this case I have exercised my rights and requested this company to close this claim, send it back to original claimer that I can resolve it properly and legally. The original claimer is a part of a case in Federal Court that the court found out they do not have authorities to settle anything unless they follow particular procedures. Apparently this entity LACKS the authority to do anything, let alone demanding money from others when original claimer has not followed that procedure properly. The procedure was explained by detail in my latest letter to ******* dated April 26, 2022 and despite of that fact the above entity has kept calling none parties to damage my reputation even further. Please assist me in this matter which concerns thousands of other victims of this unethical company. Alleged Claim No. LU1.15550915

  Business response

  05/23/2022

  BBB ID: ********
  MRS Ref: LU1-15550915
  
  Dear **********************,
  
  *******, LLC (MRS) received a copy of the complaint that ***********************. F. Ashira (Consumer) submitted to the Better Business Bureau of New Jersey (BBB). We welcome the opportunity to assist with this matter.
  
  Recap of complaint
  Consumer asserts and alleges that MRS is in violation of the ****** The consumer states that MRS has been receiving written notices from the consumer. The consumer states they requested that MRS cease and desist its activities due to many reasons and send the account back to the original claimer, but MRS has disregarded these demands. Consumer asserts that MRS illegally, unethically and deceptively attempted calling non relevant parties and related business associates to purposely cause damage to the consumers reputation.
  
  Consumer states they have been in contact with the original claimer in order to resolve the matter and this entity ignores the fact and illegally tries to collect something that has not been validated legally and properly.  Consumer states they have exercised their rights and requested this company to close this claim, and send it back to the original claimer. Consumer believes that the original claimer is a part of a case in Federal Court that the court found out they do not have authority to settle anything unless they follow particular procedures. Consumer further believes that apparently this entity lacks the authority to do anything, let alone demanding money from others when the original claimer has not followed that procedure properly.  Consumer alleges this procedure was explained in detail in their letter to ******* dated April 26, 2022.  Consumer alleges that, despite the above, MRS kept calling non parties to damage the consumers reputation even further.
  
  The consumers desired resolution is to have no further contact by the business
  
  Response
  MRS denies any suggestion that it violated collection laws in connection with the communications described in the complaint.  
  
  What we did when we received the complaint
  MRS initiated an investigation in order to address the concerns. Our investigation included a thorough review of the account activity, correspondence, and the information provided with the complaint.   
  
  What we found
  This complaint is regarding an account that our client placed with MRS for collection (Account).  MRS does not own the account at issue.  
  
  MRS received the subject account from our client on November 5, 2021. The subject account is regarding a student loan. MRS sent a letter to the consumer containing notice of the placement of the account with MRS and information related to the right to dispute the debt or request additional information about the debt in accordance with the Fair Debt Collection Practices Act.
  
  On November 30, 2021, MRS received a letter from the consumer requesting validation.  MRS mailed documentation to the consumer, including a copy of the original contract and the payment history on the account.  MRS confirmed the documents were picked up from the ****************, ** Post Office.
  
  MRS does not have any record of written correspondence from the consumer on April 26, 2022 or any other time, other than the request for validation as stated above.  
  
  This complaint is the first request to cease and desist communication with the consumer.   
  
  MRS is not aware of and cannot comment regarding any alleged communications the consumer has had with the creditor regarding this account, or any court action which the consumer alludes to in this complaint. 
  
  Actions we have taken or are taking
  Per the consumers request, MRS will cease efforts to contact the consumer regarding the subject account. The account has been returned to the current creditor.
    
  MRS apologizes to ***********************. F. Ashira for any inconvenience or misunderstanding.
  
  Thank you for your courtesy and cooperation.  If you or ***********************. F. Ashira have any additional questions or concerns regarding our investigation, you can contact MRS directly. Our contact information is below.
  
  Sincerely,
  MRS BPO, L.L.C.
  1930 *********
  ***********, ** 08003 
  ************** 
  *******************************
  
  This communication is from a debt collector.
  
  

  Customer response

  05/23/2022

  [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.]
  
  Better Business Bureau: Thank You
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Regards,
  
  ***********************. F. Ashira

• Initial Complaint

  05/15/2022

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I am not liable for this debt with VW Credit and do not have a contract with *******. They do not provide me with the original application as I asked.

  Business response

  06/01/2022

  BBB ID: #********
  MRS Ref: LU1-16098815
  
  Dear **********************,
  
  *******, LLC (MRS) received a copy of the complaint that ***************************** (Consumer) submitted to the Better Business Bureau of New Jersey (BBB). We welcome the opportunity to assist with this matter.
  
  The consumer suggests that they are not liable for an account that was placed with MRS for collection.  The consumer demands the account be removed from their credit report.  
  
  MRS initiated an investigation in order to address the concerns. Our investigation included a thorough review of the account activity and the information provided with the complaint.   
  
  This complaint is regarding an account that our client placed with MRS for collection.  MRS does not own the account at issue.  
  
  MRS did not, and will not report the subject account to the credit reporting agencies. 
  
  MRS apologizes to ***************************** for any inconvenience or misunderstanding.
  
  Thank you for your courtesy and cooperation.  If you or ***************************** have any additional questions or concerns regarding our investigation, you can contact MRS directly. Our contact information is below.
  
  Sincerely,
  MRS BPO, L.L.C.
  1930 *********
  ***********, ** 08003 
  ************** 
  *******************************
  
  This communication is from a debt collector.
  
  

• Initial Complaint

  05/07/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  My problem is this company it's coming after me for money for what? I finally pay my car off 6 years !Chase I got the letter of congratulations paying my car off and is now mine I've got the title I don't know what these people want to be made I'm 65 years old I live alone I'm on Social Security disability and I'm just trying to get my my credit together I don't know what they want from me I just want to straighten this out and get it off my credit report and just leave me alone please I look forward to hearing from someone about this matter thank you so much have a good

  Business response

  05/12/2022

  BBB ID: ********
  MRS Ref: LU4-5771853
  
  Dear **********************,
  
  *******, LLC (MRS) received a copy of the complaint that *************************** (Consumer) submitted to the Better Business Bureau of New Jersey (BBB). We welcome the opportunity to assist with this matter.
  
  Recap of complaint
  The consumer suggests they are unsure why MRS is contacting them.  The consumer indicates they paid off their car and received the title. The consumers desired resolution is to straighten this out and get it off their credit report.
  
  Response
  MRS denies any suggestion that it violated collection laws in connection with the communications described in the complaint.  
  
  What we did when we received the complaint
  MRS initiated an investigation in order to address the concerns. Our investigation included a thorough review of the account activity, correspondence, and the information provided with the complaint.   
  
  What we found
  This complaint is regarding an account that our client placed with MRS for collection (Account).  MRS does not own the account at issue.  The account was returned to our client prior to the receipt of this complaint.  
  
  On February 2, 2022, MRS received a letter from the consumer disputing the debt.  On February 10, 2022, MRS mailed documentation to the consumer, including a copy of the original contract and the payment history on the account.  The payment history reflects an outstanding balance due.  This is the amount that was placed with MRS for collection.  
  
  On May 5, 2022, the account was returned to the creditor unresolved.  
  
  MRS did not, and will not report the account to the credit reporting agencies.
  
  Actions we have taken or are taking
  MRS is no longer servicing the account. The account was returned to the creditor.  We recommend the consumer contact the creditor with any questions regarding the account.  
  
  MRS apologizes to *************************** for any inconvenience or misunderstanding.
  
  Thank you for your courtesy and cooperation.  If you or *************************** have any additional questions or concerns regarding our investigation, you can contact MRS directly. Our contact information is below.
  
  Sincerely,
  MRS BPO, L.L.C.
  1930 *********
  ***********, ** 08003 
  ************** 
  *******************************
  
  This communication is from a debt collector.
  
  

• Initial Complaint

  04/02/2022

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  Upon checking my credit report last week I noticed $120 collection for spectrum from ******* LLC posted on 3/25/22 which was surprise to me because I have ******* as provider and I have no idea how , when this posted on my credit . I did not receive any notification of verifying this no mail , email nor phone received but just credit report collection , I do not recognize this $120 fee and . I AM FORMALLY REQUESTING ******* THAT YOU VALIDATE ALL NOTATIONS of ACCOUNT NUMBER ENDING **** YOU HAVE SUBMITTED TO THE THREE MAJOR CREDIT REPORTING AGENCIES . DUE TO POSSIBLE INACCURACIES IN THESE CREDIT REPORTS, I LAWFULLY REQUEST THE **** VALIDATION BE IN THE FORM OF A NOTARIZED STATEMENT BY A PERSON WITH ORIGINAL KNOWLEDGE OF THE **** AS IT WAS CONSTITUTED AND WHO CAN TESTIFY THAT THE **** WAS INCURRED LEGALLY . It seems that this is inaccurate reporting since I never received any notification and and not familiar and unaware of this $120 collection . If inaccurate please remove this from credit report as causes damages to my account , if validated communicate with me as soon as possible to explain where this originated and validate so we can close account and remove from credit report . Again as of now I do believe this is inaccurate and I am unaware of this unpaid bills and no notifications with validation has been provided .

  Business response

  04/13/2022

  BBB ID: ********
  MRS Ref: LU1-15843744
  
  Dear **********************,
  
  *******, LLC (MRS) received a copy of the complaint that ******************* (Consumer) submitted to the Better Business Bureau of New Jersey (BBB). We welcome the opportunity to assist with this matter.
  
  Recap of complaint
  The consumers complaint is regarding an account that was placed with MRS for collection, and which MRS reported to the credit bureaus.  The consumer states in the complaint that they did not receive any notice from MRS.  The consumer requests validation of the amount owed, and requests MRS correct the consumers credit report.  
  
  Response
  MRS denies any suggestion that it violated collection laws in connection with the communications described in the complaint.  
  
  What we did when we received the complaint
  MRS initiated an investigation in order to address the concerns. Our investigation included a review of the account activity, correspondence, recorded calls, credit reporting history, and the information provided with the complaint.
  
  What we found
  The complaint is regarding an account that was placed with MRS for collection (Subject Account). MRS received the subject account from our client, Spectrum, on January 21, 2022. MRS does not own the account.
  
  Per the Spectrum Customer Agreement, the subscriber consents to allow Spectrum and its authorized representatives, such as MRS, to contact the subscriber at any email address that the subscriber provided to Spectrum. 
  
  The placement of the account included the consumer name, and an email address. MRS sent an email to the email address provided, ******************, containing notice of the placement of the account with MRS and information related to the consumers right to dispute the debt or request additional information about the debt in accordance with the Fair Debt Collection Practices Act.  
  
  MRS did not receive any communication from the consumer prior to this complaint. 
  
  Upon receipt of this complaint on April 4, 2022, MRS requested our client validate the subject account. MRS also requested deletion from credit reporting.  MRS sent this request to Equifax, Experian and TransUnion. 
  
  The consumer called MRS on April 11, 2022 and April 12, 2022. The consumer paid the balance owed on the account. 
  
  What we are doing to help
  MRS requested deletion from credit reporting.  MRS sent this request to Equifax, Experian and TransUnion.  MRS cannot affect the length of time it takes for each bureau to update its records regarding our request.
  
  The account has been closed and returned to our client as resolved. MRS mailed copies of the billing statements to the consumer, per the consumers request via this complaint.  MRS is not attempting to continue to collect the account.  
  
  MRS apologizes to ******************* for any inconvenience or misunderstanding.
  
  Thank you for your courtesy and cooperation.  If you or ******************* have any additional questions or concerns regarding our investigation, you can contact MRS directly. Our contact information is below.
  
  Sincerely,
  MRS BPO, L.L.C.
  1930 *********
  ***********, ** 08003 
  ************** 
  ***************************
  
  This communication is from a debt collector.
  
  

  Customer response

  04/13/2022

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

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