Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #6417747
Complaint Overview
Complaint ID: 6417747
Company: P.S.C., INC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-Issue: Investigation took more than 30 days
State: Washington
ZIP Code: 984XX
Date Received: 2023-01-09T12:00:00-05:00
Date Sent to Company: 2023-01-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
In XXXX i entered into a consumer transaction with XXXX XXXX and it looks like now Puget Sound Collections has taken over the account. The big problem that i have is that i noticed this collection company pop up on my credit report, BUT i have never heard from them before and i don't know who it is. I don't know what the {$1800.00} charges are all for, what interest or fees are associated with that amount or anything. I was never given the right to dispute this account, and they haven't sent me any of the documents that i requested. I'm not refusing to pay but this account is inaccurate and never was properly validated for my consumer rights. I think Puget Sound is in violation of my consumer rights by illegally reporting this debt and hurting my credit and causing me stress. I sent them a letter over 30 days ago ( XX/XX/XXXX ) asking for ANY information that they had about this account and i'm being ignored. This is really messing me up.
Frequently Asked Questions
What is Complaint #6417747 about?
Complaint #6417747 was filed against P.S.C., INC regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Problem with a credit reporting company's investigation into an existing problem. It was received by the CFPB on 2023-01-09T12:00:00-05:00.
How did P.S.C., INC respond to this complaint?
The company responded with: "Closed with explanation". 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 (Credit reporting, credit repair services, or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against P.S.C., INC?
Yes, visit the P.S.C., INC company profile at readthecomplaint.com/company/p-s-c-inc 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.