ComplaintsforConServe

• Initial Complaint

  07/18/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  This company is trying to collect a debt from a **** ******* Account that was opened fraudulently using my personal information which i find to be very unethical and i am pretty sure it is against the law. I do not have any contracts with this business Conserve. **** ******* has received a police report along with FTC identity theft report and all other documentation needed to support my claim that this account was opened fraudulently , but for some reason decided to still sell this fraudulent debt.

  

  Business response

  07/30/2024

  
  On July 19, 2024, ConServe received a complaint from your offices, on behalf of the Consumer identified in ID 22011878 (the “Consumer). Therein, the Consumer states the account was opened fraudulently. The Consumer provides a police report as an attachment. The Consumer requests communications cease regarding the debt. Please accept ConServe’s apologies for the Consumer’s concerns.
  Upon review, ConServe’s records reflect that the corresponding account was placed by or on behalf of the Creditor with ConServe on June 27, 2024. Following placement, ConServe’s records reflect that an initial validation notice for the account was mailed to the address of record on July 2, 2024, without any indication of return mail. Please note the Creditor has always remained as the owner of the corresponding account, and the account was never acquired by ConServe. To the contrary, the account was placed with ConServe for collection purposes only, and thus of course ConServe does not have a direct contractual relationship with the Consumer.
  Please note that the corresponding account was closed in ConServe’s office and returned to the Creditor on July 22, 2024. As a result of the closure, the account will no longer be collected by ConServe, and it is noted that the account was never credit reported by ConServe. Based on the return of the account to the Creditor, the Consumer is advised that the Creditor should be contacted for any further account inquiries.
  200 CrossKeys Office Park ? PO Box 7 ? Fairport, NY 14450 ? ###-###-#### ? ###-###-####
  Should you have any questions regarding the foregoing, please do not hesitate to contact me at ###-###-####, extension **** or by email at **************************. Thank you.
  Sincerely,
  ConServe
  Melissa L*****, Esq.
  Consumer Advocate and Complaint Response Specialist
  MRL/ac

• Initial Complaint

  06/29/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am not liable for this debt with CONSERVE, I do not have contract with CONSERVE, they did not provide me with the original contract as I requested.

  

  Business response

  07/03/2024

  
  On July 2, 2024, ConServe received a complaint from your offices, on behalf of the Consumer identified in ID ********* (the “Consumer”). Therein, the Consumer states he is not liable for the debt and does not have a contract with ConServe. Additionally, the Consumer advises they were not provided with the original contract as requested. The Consumer requests that credit reporting be corrected and the removal of the account from his credit report, and he also requests proof that he owes the debt be provided. Please accept ConServe’s apologies for the Consumer’s concerns.
  Upon review, ConServe’s records reflect that the corresponding account referenced by the Consumer was placed by or on behalf of the Creditor with ConServe on February 4, 2020. Following placement, ConServe’s records reflect that an initial validation notice for the account was mailed to the address of record on February 5, 2020, without any indication of return mail. Efforts to reach the Consumer by telephone, at the same number provided by the Consumer with his complaint, were unsuccessful. Additionally, please note the Creditor has always remained as the owner of the corresponding account, and the account was never acquired by ConServe. To the contrary, the account was placed with ConServe for collection purposes only, and thus of course ConServe does not have a direct contractual relationship with the Consumer.
  ConServe’s records reflect that a dispute received on the Consumer’s behalf via e-Oscar (Online Solution for Complete and Accurate Reporting), dated February 17, 2023, with subsequent e-Oscar disputes also submitted June 22, 2024, June 27, 2024, and June 29, 2024. As a result of the disputes received, ConServe had requested additional account documentation information from the Creditor. In response, the documentation provided by the Creditor, includes a letter of explanation regarding the account balance from the Creditor, course credit information, and Student Financial Obligation Agreement with electronic acceptance data. A copy of this account documentation, supplied by the Creditor, will be mailed to the Consumer under separate cover.
  
  In that regard, based upon the account documentation provided by the Creditor, it is clearly indicated that the Consumer is responsible for the corresponding debt. Further, please be advised that based upon its underlying collection efforts, ConServe is fully authorized to credit report the account on behalf of the Creditor. As a result, it would be impermissible to request that the account be removed from credit reporting, and ConServe cannot agree to do so. Pursuant to the Fair Credit Reporting Act (FCRA), as a data furnisher, ConServe is required to accurately report updates to an account and based upon the information provided by the corresponding credit reporting agencies, the account is accurately reflected as an open and disputed collection account. As the account information is accurate, ConServe is unable to modify or remove an accurately reported account from a credit report and at the same time comply with the FCRA.
  Should you have any questions regarding the foregoing, please do not hesitate to contact me at ###-###-####, extension **** or by email at *******************.com. Thank you.
  Sincerely,
  ConServe
  Melissa L*****, Esq.
  Consumer Advocate and Complaint Response Specialist
  MRL/ac

  Customer response

  07/03/2024

  Better Business Bureau:I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.CONSERVE has still not provided proof of documentation to substantiate the debt.The burden of proof falls on the collection agency, not the consumer (me).I find it concerning that CONSERVE collections are not complying with legal requests. I request that CONSERVE collection provide proof they sent debt validation, as is my legal right.If CONSERVE cannot provide proof, I demand this account be removed from my credit report as is my legal right per FCRA section 623.(a)(i). This is my last request before I file a formal complaint with the CFPB and the FTC. Regards,******* ******

• Initial Complaint

  06/28/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am not liable for this debt with ONONDAGA COMM COLL. I do not have a contract with CONSERVE. They did not provide me with the original contract as requested.

  

  Business response

  07/15/2024

  
  On June 28, 2024, ConServe received a complaint from your offices, on behalf of the Consumer identified in ID ******** (the “Consumer”). Therein, the Consumer states he is not liable for the debt and does not have a contract with ConServe. Additionally, the Consumer advises he was not provided with the original contract as requested. The Consumer requests that credit reporting be corrected and the removal of the account from his credit report. Please accept ConServe’s apologies for the Consumer’s concerns.
  Upon review, ConServe’s records reflect that the corresponding accounts were placed by or on behalf of the Creditor with ConServe on September 16, 2021, October 28, 2021, and March 23, 2022, respectively. Following placement, ConServe’s records reflect that an initial validation notice for each account was mailed to the address of record for the Consumer, without any indication of return mail. Additionally, please note the Creditor has always remained as the owner of the corresponding accounts, and the accounts were never acquired by ConServe. To the contrary, the accounts were placed with ConServe for collection purposes only, and thus of course ConServe does not have a direct contractual relationship with the Consumer.
  Additionally, ConServe’s records reflect multiple prior disputes received by or on behalf of the Consumer, with the earliest such dispute dating back to December 12, 2023. As a result of this dispute, ConServe requested additional account documentation information from the Creditor. In response, the documentation provided by the Creditor, includes an Account Summary with an itemization of charges, course registration and enrollment information, and account demographic information. A copy of this account documentation supplied by the Creditor was previously mailed to the Consumer by ConServe on December 12, 2023, with no indication of a mail return. In light of the current complaint, however, an additional copy of this prior mailing will be mailed to the Consumer under separate cover.
  
  In that regard, based upon the account documentation provided by the Creditor, it is clearly indicated that the Consumer is responsible for the corresponding debt. Further, please be advised that based upon its underlying collection efforts, ConServe is fully authorized to credit report the account on behalf of the Creditor. As a result, it would be impermissible to request that the account be removed from credit reporting, and ConServe cannot agree to do so. Pursuant to the Fair Credit Reporting Act (FCRA), as a data furnisher, ConServe is required to accurately report updates to an account and based upon the information provided by the corresponding credit reporting agencies, the corresponding accounts are accurately reflected as open and disputed collection accounts. As the account information is accurate, ConServe is unable to modify or remove an accurately reported account from a credit report and at the same time comply with the FCRA.
  Should you have any questions regarding the foregoing, please do not hesitate to contact me at ###-###-####, extension **** or by email at *************************** Thank you.
  Sincerely,
  ConServe
  Robert S. L**** Esq.
  General Counsel
  RSL/ac

• Initial Complaint

  05/30/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am not liable for this debt with Montclair State University. I do not have a contract with ConServe, they did not provide me with the original contract as I requested.

  

  Business response

  06/26/2024

  
  On June 14, 2024, ConServe received a complaint from your offices, on behalf of the Consumer identified in ID ******** (the “Consumer”). Therein, the Consumer states he is not liable for the debt and does not have a contract with ConServe. Additionally, the Consumer advises they were not provided with the original contract as requested. The Consumer requests that credit reporting be corrected and the removal of the account from his credit report. A letter was also attached with the Consumer’s complaint advising of his dispute and requesting validation documentation as listed be provided. Please accept ConServe’s apologies for the Consumer’s concerns.
  Upon review, ConServe’s records reflect that the corresponding account was placed by or on behalf of the Creditor with ConServe on February 19, 2024. Following placement, ConServe’s records reflect that an initial validation notice for the account was mailed to the address of record on February 20, 2024, without any indication of return mail. Additionally, please note the Creditor has always remained as the owner of the corresponding account, and the account was never acquired by ConServe. To the contrary, the account was placed with ConServe for collection purposes only, and thus of course ConServe does not have a direct contractual relationship with the Consumer.
  As a result of the present complaint, ConServe requested additional account documentation information from the Creditor. In response, the documentation was provided by the Creditor, including an account statement with an itemization of charges, term enrollment summary, course detail information, and financial agreement acceptance date information. This was mailed to the Consumer on June 7, 2024, with no indication of return mail in response. The Creditor has also supplied a copy of the Statement of Financial Obligation. A copy of the previously supplied documentation as well as the Statement of Financial Obligation provided by the Creditor will be sent to the consumer under separate cover.
  
  In that regard, based upon the account documentation provided by the Creditor, it is clearly indicated that the Consumer is responsible for the corresponding debt. ConServe disagrees with the Consumer’s request for specific additional documentation items as the previously forwarded account documentation, supplied by the Creditor, constitutes sufficient proof of debt. Further, please be advised that based upon its underlying collection efforts, ConServe is fully authorized to credit report the account on behalf of the Creditor. As a result, it would be impermissible to request that the account be removed from credit reporting, and ConServe cannot agree to do so. Pursuant to the Fair Credit Reporting Act (FCRA), as a data furnisher, ConServe is required to accurately report updates to an account and based upon the information provided by the corresponding credit reporting agencies, the account is accurately reflected as an open and disputed collection account. As the account information is accurate, ConServe is unable to modify or remove an accurately reported account from a credit report and at the same time comply with the FCRA.
  Should you have any questions regarding the foregoing, please do not hesitate to contact me at ###-###-####, extension **** or by email at **************************. Thank you.
  Sincerely,
  ConServe
  Melissa L*****, Esq.
  Consumer Advocate and Complaint Response Specialist
  MRL/ac

• Initial Complaint

  05/20/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I’m not responsible for any account with Conserve. I have never had an account with Conserve that is trying to report and collect a debt on my credit report. I have never signed any contract or done any type of business with Conserve. They have never provided me with any original signed contract that I have requested. I demand this account be removed from my credit report.

  

  Business response

  06/05/2024

  
  On May 21, 2024, ConServe received a complaint from your offices, on behalf of the Consumer identified in ID ******** (the “Consumer”). Therein, the Consumer states she is not responsible for the debt and does not have an account or contract with ConServe. Additionally, the Consumer advises they were not provided with the original contract as requested. The Consumer requests that credit reporting be corrected and the removal of the account from her credit report. Please accept ConServe’s apologies for the Consumer’s concerns.
  Upon review, ConServe’s records reflect that the corresponding account was placed by or on behalf of the Creditor with ConServe on February 2, 2023. Following placement, ConServe’s records reflect that an initial validation notice for the account was mailed to the address of record on February 7, 2023, without any indication of return mail. Additionally, please note the Creditor has always remained as the owner of the corresponding account, and the account was never acquired by ConServe. To the contrary, the account was placed with ConServe for collection purposes only, and thus of course ConServe does not have a direct contractual relationship with the Consumer.
  As a result of a written dispute sent by the Consumer and received by ConServe on April 23, 2024, ConServe requested additional account documentation information from the Creditor. In response, the documentation provided by the Creditor, includes a letter of explanation from the Creditor advising as to the balance incurred, a Student Schedule/Bill with amount due stated, terms and conditions regarding the collection of debts, copies of identification the Consumer provided to the Creditor, Florida Residency Form, student demographic information, student course registration data, enrollment summary, and Student Enrollment Agreement with electronic acceptance date information reflecting accepted on September 27, 2022. This account documentation, supplied by the Creditor, was mailed to the Consumer on April 30, 2024 to the same address as provided with the present complaint, without any indication of return mail.
  
  In that regard, based upon the account documentation provided by the Creditor, it is clearly indicated that the Consumer is responsible for the corresponding debt. Further, please be advised that based upon its underlying collection efforts, ConServe is fully authorized to credit report the account on behalf of the Creditor. During the time the account has been credit reported by ConServe, it was not aware of any inaccuracy or necessary update to be requested to the credit report.
  However, please be advised that on May 28, 2024, ConServe received a block notification report from e-Oscar indicating that pursuant to internal policy the above-referenced account would be requested to be removed from credit reporting. As a result of this block notification, the account is to be removed from credit reporting and the account will no longer be credit reported by ConServe. For any additional inquiries regarding this matter, the Consumer is encouraged to contact the corresponding credit reporting agencies.
  Should you have any questions regarding the foregoing, please do not hesitate to contact me at ###-###-####, extension **** or by email at **************************. Thank you.
  Sincerely,
  ConServe
  Melissa L*****, Esq.
  Consumer Advocate and Complaint Response Specialist
  MRL/ac

• Initial Complaint

  05/16/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  ConServ - debt agency company, reporting collection on my credit report and stating I am responsible for a balance of 380.00. This is Fraud as I have been a victim of identity theft. I would like this immediately removed from credit report as this account does not belong to me. Continuing to report this fraudulent information on my credit profile is illegal per the Fair Credit Reporting Act.

  

  Business response

  05/29/2024

  On May 16, 2024, ConServe received a complaint from your offices, on behalf of the Consumer identified in ID ******** (the "Consumer).  Therein, the Consumer states he is the victim of identity theft and ConServe is reporting on his credit report the account that does not belong to him.  The Consumer requests that credit reporting be corrected.  Please accept ConServe's apologies for the Consumer's concerns.

  It is noted that the Consumer also recently filed a CFPB complaint (CFPB Case Number: **************) regarding the above referenced account, providing his name, address, date of birth, and last four digits of his social security number.  Upon review, ConServe's records reflect that on February 12, 2024, it received an account from the Creditor for the collection, which reflected the same identifying information as provided by the Consumer within his CFPB complaint, including the same name, date of birth, and last four digits of the social security number as was provided by the complaint.  It is noted that ConServe mailed a validation notice to the address provided by the Creditor on February 13, 2024 and again on March 13, 2024.  On April 1, 2024. a mail return was received from the most recent notice.  ConServe has subsequently updated its address as was advised with the consumer's CFPB complaint.  Efforts to reach the Consumer by telephone, beginning February 14, 2024, were unsuccessful.

  Based upon the current complaints, ConServe requested and received additional account documentation from the Creditor, which included a letter of explanation from the Creditor confirming records do not reflect identity theft occurred and that classes for the Consumer have proceeded with the school since 2021, student demographic information with matching name, social security number, and date of birth data, Account Details with itemized charges, Enrollment terms including Statement of Financial Responsibility.  A redacted copy of this account documentation was provided to the Consumer on May 28, 2024 with ConServe's CFPB complaint response and upon further written request from the Consumer can also be provided directly to the Consumer in unredacted form under separate cover.  

  In that regard, based upon the account documentation provided by the Creditor, it is clearly indicated that the Consumer is responsible for the corresponding debt.  Should the Consumer have any information to the contrary, the Consumer is kindly encouraged to provide it to our office so that i can be investigated accordingly.  

  Please be advised that on May 18, 2024, ConServe received a block notification report from e-Oscar indicating that pursuant to internal policy the Consumer's account was requested to be removed from credit reporting.  As a result of this block notification, the account was removed from credit reporting and the account will no longer be credit reported by ConServe.  For any additional inquiries regarding reporting, the Consumer is encouraged to contact the corresponding credit reporting agencies.  Should you have any questions regarding the foregoing, please do not hesitate to contact me at ###-###-#### or by email at ***************************  Thank you.

  Sincerely,

  ConServe

• Initial Complaint

  05/07/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am not liable for this debt with ******* *******. I do not have a contract with the collection agency. They did not provide wee with the original contract as requested.

  

  Business response

  05/16/2024

  The business has responded to the complaint, however, they have asked that their response not be published.

  Customer response

  05/17/2024

  § 812.  Furnishing certain deceptive forms  (a) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. (b) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. 15 USC 1692k § 813.  Civil liability  (a) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- (1) any actual damage sustained by such person as a result of such failure; (2) (A) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding $1,000; or  (B) in the case of a class action, (i) such amount for each named plaintiff as could be recovered under subparagraph (A), and (ii) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of $500,000 or 1 per centum of the net worth of the debt collector; and (3) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorney's fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorney's fees reasonable in relation to the work expended and costs. (b) Factors considered by court In determining the amount of liability in any action under subsection (a) of this section, the court shall consider, among other relevant factors -- (1) in any individual action under subsection (a)(2)(A) of this section, the frequency and persistence of noncompliance by the debt collector, the nature of such noncompliance, and the extent to which such noncompliance was intentional; or (2) in any class action under subsection (a)(2)(B) of this section, the frequency and persistence of noncompliance by the debt collector, the nature of such noncompliance, the resources of the debt collector, the number of persons adversely affected, and the extent to which the debt collector's noncompliance was intentional.  Conserve hasn't provided the original debt from the creditor and it differs from their amount they are trying to collect. They have not provided debt verification. A letter of debt validation is not a verification of debt.  

• Initial Complaint

  04/29/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I'm urgently contacting you about the inaccuracies on my credit report resulting from the disclosure of my personal information to credit bureaus. This has caused significant financial and emotional distress. In accordance with 15 USC 1681 Section 602, I assert my right to financial privacy and expect my information to be handled confidentially. Moreover, under 15 USC 1681 Section 604(a)(2), a consumer reporting agency cannot disclose account details without my explicit consent, which I haven't given. The discrepancies related to CONSERVE have negatively impacted my financial situation, necessitating immediate correction. I also emphasize adherence to 15 USC 1666(b), which prohibits creditors from treating credit card payments as late under certain circumstances. Below are my account details for your reference: Account Number: 20015301***** I urgently request a thorough review of my account, prompt rectification of the credit report inaccuracies, and strict compliance with federal laws governing my information. Failure to address these concerns promptly may result in legal action. I appreciate your immediate attention to this matter. Sincerely, ******** *******

  

  Business response

  05/15/2024

  
  On May 1, 2024, ConServe received a complaint from your offices, on behalf of the Consumer identified in ID ******** (the “Consumer”). Therein, the Consumer states the involved account is being reported on her credit report without her consent. The Consumer requests that credit reporting be corrected of any inaccuracies. Please accept ConServe’s apologies for the Consumer’s concerns.
  Upon review, ConServe’s records reflect that the corresponding account was placed by or on behalf of the Creditor with ConServe on August 24, 2023. Following placement, ConServe’s records reflect that an initial validation notice for the account was mailed to the address of record, as provided by the Creditor, on August 25, 2023, without any indication of return mail. Additionally, please note the Creditor has always remained as the owner of the corresponding account, and the account was never acquired by ConServe. To the contrary, the account was placed with ConServe for collection purposes only, and thus of course ConServe does not have a direct contractual relationship with the Consumer. In that regard, please be advised that ConServe is a data furnisher and not a consumer reporting agency, and based upon its collection efforts, ConServe is fully authorized under the Fair Credit Reporting Act (FCRA) to credit report the corresponding collection account on behalf of the Creditor, with no requirement of obtaining the Consumer’s written consent.
  As a result of the present complaint, ConServe requested additional account documentation information from the Creditor. In response, the documentation provided by the Creditor, includes a letter of explanation from the Creditor, account statement information with an itemization of charges, enrollment term information, student information, account detail information, course history data, and biographical information. A copy of this account documentation, supplied by the Creditor, will be mailed to the Consumer under separate cover. It is noted, while the Consumer has input her name on the complaint as ******** *******, the information provided by the Creditor is for the name ******** G. *******. The address and account number provided with
  
  the documents provided by the Creditor does correspond with the address and account number provided by the Consumer with her complaint.
  In that regard, based upon the account documentation provided by the Creditor, it is clearly indicated that the Consumer is responsible for the corresponding debt. Further, please be advised, it would be impermissible to request that the account be removed from credit reporting, and ConServe cannot agree to do so. Pursuant to the Fair Credit Reporting Act (FCRA), as a data furnisher, ConServe is required to accurately report updates to an account and based upon the information provided by the corresponding credit reporting agencies, the account is accurately reflected as an open and disputed collection account. As the account information is accurate, ConServe is unable to modify or remove an accurately reported account from a credit report and at the same time comply with the FCRA.
  Should you have any questions regarding the foregoing, please do not hesitate to contact me at ###-###-####, extension **** or by email at [email protected]. Thank you.
  Sincerely,
  ConServe
  Melissa L*****, Esq.
  Consumer Advocate and Complaint Response Specialist
  MRL/ac

• Initial Complaint

  04/25/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am not liable for this debt with ******* ******** ****, I do not have a contract with Conserve, they did not provide me with the original contract as I requested.

  Customer response

  04/25/2024

  I mailed an original document and did not keep a copy, not providing me with validation of debt within 30 days is a violation of FACTA, if this account is not removed from my credit report my next step is to file a complaint with the CFPB, thank you!
  
  

  

  Business response

  04/30/2024

  
  
  On April 26, 2024, ConServe received a complaint from your offices, on behalf of the Consumer identified in ID ******** (the “Consumer”). Therein, the Consumer states he is not liable for the debt and does not have a contract with ConServe. Additionally, the Consumer advises they were not provided with the original contract as requested and he was not provided with validation of debt. The Consumer requests that credit reporting be corrected and the removal of the account from his credit report. Please accept ConServe’s apologies for the Consumer’s concerns.
  Upon review, ConServe’s records reflect that the corresponding account was placed by or on behalf of the Creditor with ConServe on February 29, 2024. Following placement, ConServe’s records reflect that an initial validation notice for the account was mailed to the address of record on March 1, 2024, without any indication of return mail. As the Consumer has indicated he did not receive this validation notice, an additional copy will be provided under separate cover. Additionally, please note the Creditor has always remained as the owner of the corresponding account, and the account was never acquired by ConServe. To the contrary, the account was placed with ConServe for collection purposes only, and thus of course ConServe does not have a direct contractual relationship with the Consumer.
  As a result of the present complaint, which is the first correspondence ConServe has received from the Consumer, ConServe requested additional account documentation information from the Creditor. In response, the documentation provided by the Creditor, includes a letter of explanation regarding the student information, the timing of enrollment and agreement to the Statement of Responsibility, and that monthly statements were issued with a breakdown of charges. The Creditor also provided a payment information schedule, itemized account information, Tuition, Fees and Refunds policy, and Statement of Responsibility electronically signed. A copy of this account documentation, supplied by the Creditor, will be mailed to the Consumer under separate cover.
  200 CrossKeys Office Park ? PO Box 7 ? Fairport, NY 14450 ? ###-###-#### ? ###-###-####
  In that regard, based upon the account documentation provided by the Creditor, it is clearly indicated that the Consumer is responsible for the corresponding debt. Further, please be advised that based upon its underlying collection efforts, ConServe is fully authorized to credit report the account on behalf of the Creditor. As a result, it would be impermissible to request that the account be removed from credit reporting, and ConServe cannot agree to do so. Pursuant to the Fair Credit Reporting Act (FCRA), as a data furnisher, ConServe is required to accurately report updates to an account and based upon the information provided by the corresponding credit reporting agencies, the account, where reporting, is accurately reflected as an open collection account. As the account information is accurate, ConServe is unable to modify or remove an accurately reported account from a credit report and at the same time comply with the FCRA.
  However, to the extent that it does not already so reflect, ConServe will request an update to your credit report to reflect your dispute. Otherwise, upon review, ConServe is not aware of any inaccuracy or necessary update to be requested to your credit report concerning the account.
  Should you have any questions regarding the foregoing, please do not hesitate to contact me at ###-###-####, extension **** or by email at *************************** Thank you.
  Sincerely,
  ConServe
  Melissa L*****, Esq.
  Consumer Advocate and Complaint Response Specialist
  MRL/ac

• Initial Complaint

  04/16/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Hi I am not liable for this debt with ***** *** **********. I also do not have a contract with the company CONSERVE. I asked for the Original Contract and the company has failed to provide it to me.

  

  Business response

  04/23/2024

  
  On April 17, 2024, ConServe received a complaint from your offices, on behalf of the Consumer identified in ID ******** (the “Consumer). Therein, the Consumer states she is not liable for the debt and does not have a contract with ConServe and was not provided with the original contract as requested. The Consumer requests that credit reporting be corrected and removed. The Consumer also includes a letter requesting documentation, specifically, a contract be provided bearing her signature. Please accept ConServe’s apologies for the Consumer’s concerns.
  Upon review, ConServe’s records reflect that the corresponding account was placed by or on behalf of the Creditor with ConServe on May 10, 2021. Following placement, ConServe’s records reflect that an initial validation notice for the account was mailed to the address of record, which is the address provided by the Consumer with the present complaint, on May 11, 2021, without any indication of return mail. On November 17, 2021, the Consumer contacted ConServe to make settlement arrangements to resolve the account. ConServe’s records reflect upon receipt of the settlement funds, ConServe requested the credit report to be updated as paid, with the settlement status of the account noted.
  Regarding the request for a copy of the contract with ConServe, please note the Creditor has always remained as the owner of the corresponding account, and the account was never acquired by ConServe. To the contrary, the account was placed with ConServe for collection purposes only, and thus of course ConServe does not have a direct contractual relationship with the Consumer. In that regard, based upon its collection efforts, ConServe is fully authorized under the Fair Credit Reporting Act (FCRA) to credit report the corresponding collection account on behalf of the Creditor. Further, ConServe expressly denies any and all claims as contained in the Consumer’s attached correspondence. In that regard, while the Consumer indicates violations were committed under the FDCPA and other laws, the Consumer fails to provide any supporting information to indicate the alleged violations which occurred, and ConServe expressly denies and refutes any such claims.
  
  However, as a result of the present complaint, ConServe requested additional account documentation information from the Creditor. In response, the documentation provided by the Creditor includes an Account Summary with an itemization of charges, student information, and Financial Responsibility and Registration Agreement with electronic acceptance data. A copy of this account documentation, supplied by the Creditor, will be mailed to the Consumer under separate cover.
  In that regard, it would be impermissible to request that the account be removed from credit reporting, and ConServe cannot agree to do so. Pursuant to the Fair Credit Reporting Act (FCRA), as a data furnisher, ConServe is required to accurately report credit information and, in fact, the payment of the settlement to resolve the account balance occurred after the account entered collections. Accordingly, the trade line was properly requested by ConServe to be updated in order to reflect as paid rather than requested to be removed, and based upon the information provided by the corresponding credit reporting agencies the account, where reporting, is accurately reflected at this time as a paid collection and disputed account, with the Consumer’s disagreement as to the dispute resolution noted.
  Should you have any questions regarding the foregoing, please do not hesitate to contact me at ###-###-####, extension **** or by email at *******************.com. Thank you.
  Sincerely,
  ConServe
  Melissa L****** Esq.
  Consumer Advocate and Complaint Response Specialist
  MRL/ac

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