Debt collection -- Attempts to collect debt not owed -- Complaint #5190573
Complaint Overview
Complaint ID: 5190573
Company: Mrs Bpo, LLC
Product: Debt collection
Sub-Product: Other debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Texas
ZIP Code: 77379
Date Received: 2022-02-05T12:00:00-05:00
Date Sent to Company: 2022-02-05T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/XXXX XXXX XXXX XXXX posted this XXXX XXXX collections for {$1000.00} to my credit reports. I immediately called them and eventually discovered they had the wrong person. They had SSN, residence address, contacts which were not associated with me. The address was in XXXX TX at an apartment. I have never been to, lived in, or been associated with XXXX TX. I disputed with all 3 bureaus and mailed back the affidavit sent by XXXX validating I was not the account owner. By XX/XX/XXXX the collection was removed from all 3 bureaus. On XX/XX/XXXX MRS BPO posted this same collection to my credit reports. Clearly they purchased this debt from XXXX and either weren't provided the file showing I was not the person associated with this account or a they are purposefully ignoring it. I also see that either XXXX or MRS BPO has updated my address history on my credit reports to include the debtors address in XXXX TX, despite the fact I have never been there or been associated with that address. Reading the numerous complaints against both of these companies, it seems it is a common tactic to use personal information gathered from affidavits swearing the debt does not belong to the person to, to update and manufacture evidence of attribution. The fact that there are thousands of complaints against these companies and yet there appears to be absolutely no punitive action is beyond absurd. My wife and I are trying to close on our first house, and this previously disposed invalid debt appearing the week of closing has jeopardized it not allowing us to close on the original contract. I request no more than the immediate removal for my credit reports as well as a side letter from BPO confirming they have updated the file for their own use and any future owner of this debt they may decide to pass this on to.
Frequently Asked Questions
What is Complaint #5190573 about?
Complaint #5190573 was filed against Mrs Bpo, LLC regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2022-02-05T12:00:00-05:00.
How did Mrs Bpo, LLC respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Mrs Bpo, LLC?
Yes, visit the Mrs Bpo, LLC company profile at readthecomplaint.com/company/mrs-bpo-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.