EOS Holdings, Inc

2019-04-09

North Hollywood, CA

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Complaint: Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! ACCOUNT NAME : EOS CCA, ACCOUNT # : XXXX, DATE : XX/XX/2017, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX.
Company Response: Closed with explanation

Timely Response

2019-04-09

Cheverly, MD

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: I called XXXX on XX/XX/2019 and after several tries, I was told I need to contact the collection agency, EOS CCA at XXXX. I called the collection agency and reached talked to XXXX. I explained the situation, that my ex-wife XXXX XXXX opened the account without my knowledge, and I was never informed. He brought over his manager, XXXX, who kept pushing me to pay this to clear it, even though I explained the situation, I told him I was in the process of purchasing a house and needed this resolved quickly, but he still pressed me to pay it off. He finally gave me some vague information to file a report and they would review it, but no assurance it will be resolved soon or at all. EOS Case # XXXX The amount owed is : {$2000.00}. No date information given.
Company Response: Closed with explanation

Timely Response

2019-04-08

Arco, CA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: In XX/XX/XXXX, my clients XXXX and XXXX XXXX became aware via their XXXX Credit Report Alert that EOS CCA ( A collection agency ) was reporting a negative collection item on their credit profile. The XXXX ( s ) immediately contacted my office, their Business Management CPA Firm, asking us to follow-up. The client informed me that they had already done some preliminary research that included a telephone call to XXXX XXXX ( previously XXXX ). The client was informed by a XXXX XXXX representative that there was in fact an account opened under their previous company XXXX in the name of XXXX XXXX and was able to obtain the account number. Obtaining the account number was important because the client did previously have a XXXX XXXX account ( XXXX XXXX XXXX XXXX ) that had been paid ( was an auto pay account ) in full and closed. When the client contacted XXXX XXXX they were initially told that the account was opened in XX/XX/XXXX and was closed by XXXX XXXX last month ( XX/XX/XXXX ) for non-payment. The representative reported to the client that there had never been a payment on the account since it was opened in XX/XX/XXXX. This is very troubling because its uncommon for a monthly utility service who will typically discontinue service and close accounts within a couple of months for non-payment. Secondly, during this time the client did have an active and valid account with XXXX XXXX which was the account XXXX XXXX XXXX XXXX ( service address XXXX XXXX XXXX XXXX , XXXX XXXX, UT ) previously mentioned above. You would think that if a second account had been opened under the clients name that remained unpaid for 16 years, XXXX XXXX would have contacted the client since they did have his correct information on file from the account that remained in good standing. Nonetheless, because the valid account was for services related to a partnership venture the client was not 100 % sure that the account was/is fraud. We have checked with all of the bookkeepers involved from XX/XX/XXXX to date and there are no records of the XXXX account or payments being made to that account. And, if the client had ever received the invoice it would have been paid timely first and resolved later. They would not have allowed it to become a negative reporting on their credit profile. Unfortunately, they were not made aware of this erroneous account as they dont live or do business at the service address in question. Upon the client forwarding their documentation to me to determine what was going on, I called EOS-CCA ( Collection Agency ) with the client on the line who authorized EOS-CCA to work directly with me to resolve the issue to and thru receiving payment from me if it was determined that it was in fact the clients account and responsibility. EOS-CCA didnt have any detailed information about the account, service address, who set it up, etc. They only had the date of set-up and the balance owed. Mrs. XXXX ( the client ) called XXXX XXXX several times to no avail at which point I took over calling XXXX XXXX. I engaged in conversation with a representative who told me that the service address for the service provided was XXXX XXXX XXXX XXXX, XXXX, CA. She also confirmed that the service address was also the billing address. When I tried to obtain additional information about the account in terms of who set it up, I was asked to verify the account by answering the security questions. Because neither my client nor I set-up the account, we couldnt verify the account or answer the security questions. The representative helped me as much as she could while stressing that I should contact the Dispute Department of XXXX XXXX assuring me that they would be able to provide me additional information and potentially finding resolution to account XXXX originally opened by XXXX. During the conversation, I was also able to ascertain, contrary to what was initially reported to Mrs. XXXX, that payment had been made on the account from XX/XX/XXXX up until XX/XX/XXXX or XX/XX/XXXX. The representative also told me a final notice was mailed to the XXXX XXXX XXXX XXXX address prior to action being taken. I believe she said before action was taken as opposed to services discontinued. My client, XXXX XXXX, is fully willing to pay the {$390.00} owed if this is in fact his account and responsibility. Because Mr. XXXX has no knowledge of the existence of this account and can confirm that he never approved service being opened at the service address reported, he is requesting that the negative credit reporting be removed from his credit profile immediately. Submitted by XXXX XXXX and XXXX XXXX ( Accountant )
Company Response: Closed with explanation

Timely Response

2019-04-04

Simi Valley, CA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: This is the third debt collector trying to get money from me that I never owed. The " debt '' was from my XXXX XXXX account years ago. I had cancelled my service and was told to pay off the remainder of my contract. I had paid the full amount and received a notice saying that I owed {$0.00}. A year later I have debt collectors after me saying I owe money for an account I never had, never used any data, and never was sent a payment. I received another settlement offer from EOS CCA dated XX/XX/2019 stating that XXXX XXXX XXXXXXXX authorized them to give an offer for me to pay {$290.00} of the {$410.00} supposedly owed. I was never given an option to dispute this claim and have not received an itemized statement to even see what I currently would owe.
Company Response: Closed with explanation

Timely Response

2019-04-03

New Bedford, MA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Company Response: Closed with explanation

Timely Response

2019-04-03

Moapa, NV

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: Paid in Full with the original company still reported on my credit with XXXX original creditor was Paid In Full XXXX ... INVESTIGATION RESULTS - VERIFIED AS ACCURATE : The disputed item was verified as accurate. We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. Here is how this item appears on your credit report following our investigation. EOS CCA XXXX XXXX XXXX XXXX, MA XXXX Account Details Account Details Payment Status Account Number # XXXX Name EOS CCA XXXX XXXX XXXX XXXX XXXX MA XXXX ( XXXX ) XXXX Date Opened XX/XX/2017 Responsibility Individual Account Account Type open Loan Type COLLECTION AGENCY/ATTORNEY Balance {$160.00} Original Amount {$160.00} Original Creditor XXXX XXXX ( Cable/Cellular ) Past Due {$160.00}
Company Response: Closed with explanation

Timely Response

2019-04-03

VA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: In XX/XX/XXXX I had ordered via online XXXX XXXX service. The service was available through their online system. When the tech came to do the installation he had informed me that I was not able to receive this service and that all the ports were full. I had reached out to XXXX and was told that the service was in fact available and rescheduled for a new installation date. The 2nd tech came out and once again told me that I could not receive the service as all ports were full. I reached out to XXXX 's customer service yet again and she talked to the dispatch unit only to tell me what the tech had already told me in the first place. The service was cancelled as I was NOT able to obtain it. In XX/XX/XXXX I received a credit alert that a new collection was on my credit report from EOS CCA. After doing research and filing a complaint through XXXX it showed XXXX being the original creditor for a debt of {$35.00} for the service that was not installed and cancelled the day the tech came out. I filed a complaint against XXXX on this very issue through the XXXX and had a call from XXXX from XXXX XXXX XXXX department about the complaint. He left a message for me to call him back. I tried reaching out to him and gave him a good time to reach me via voicemail. Since then, I called him back 3 more times leaving 3 different voicemails only to never hear from him until the day they replied to the XXXX complaint. Their response was they could not get in contact with me. I rejected this response and argued my side with them explaining this as well as the position they put me in. I have attached everything from the XXXX to EOS as well as XXXX. XXXX 's final response was that I need to get this corrected with EOS since they no longer own the account. My argument is this account should have never been sent to collections in the first place as XXXX is the root cause to this problem.
Company Response: Closed with explanation

Timely Response

2019-04-02

Aurora, CO

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-04-02

Gr, MI

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: This company is reporting a ticket I receive in XXXX as a new charge off in XX/XX/XXXX on my report and refused to remove it even after I have paid. Tickets are not suppose to report on credit reports. Also this debt didnt arise from a contract I agreed to pay so shouldnt be reported as a collection on my credit report
Company Response: Closed with explanation

Timely Response

2019-03-29

Edgewater, MD

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-03-29

Lorton, VA

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Company Response: Closed with explanation

Timely Response

2019-03-28

Seneca, SC

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I already filed one complaint and somehow the company answered and the complaint was closed. However, that is NOT the end of it. The company claims a certain amount was paid on the debt in XX/XX/2019, and that was NOT me that paid anything on a debt that was NOT mine. I am now submitting another complaint, because this company is violating several different federal laws. First off, this should have never been listed on my credit. I was NEVER notified ahead of listing this debt on my credit. They have not provided ANY proof of the debt. They have NOT answered any of my written communication. They say the debt was paid and closed, but WHO PAID IT. MAYBE WHO THE DEBT BELONGS TO.
Company Response: Closed with explanation

Timely Response

2019-03-28

CA

False statements or representation

Debt collection: Medical debt

Attempted to collect wrong amount
Complaint: I received a letter from a company called " EOS CCA '' explaining to me that they are offering a settlement offer for an unverified debt from " XXXX XXXX '' that I supposedly went to in XXXX of 2014. I never went to a that hospital around that time. I have tried to call them several times and they do not answer, yes I am calling around their open business hours according to the letter I received. This is a fraudulent SCAM and this company should be shut down.
Company Response: Closed with explanation

Timely Response

2019-03-28

Alexandria, VA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: For the past two and half years, XXXX keep saying I owe them {$68.00}. I dont know how, because I dont have no service with them for the past 7years. They said they have fix that .but last week I received a letter from EOS CCA collection agency to collect this same {$68.00}.
Company Response: Closed with explanation

Timely Response

2019-03-27

Clovis, CA

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2019-03-27

Greece, NY

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Company Response: Closed with explanation

Timely Response

2019-03-26

Briarwood, NY

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-03-23

Helvetia, OR

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-03-22

Springfield, OR

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-03-21

Kirtland, NM

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: EOS CCA- XXXX is reporting on my credit report without every notifying me of this debt. They posted it to my credit and when I saw it I contacted them immediately. I didn't even owe the debt because the item was returned! I would have disputed it if I had received notification. I don't see how they can just put whatever on your credit without contacting you. My attorney will be the next contact as he advised me EOS violation. I served our country and this is ridiculous.
Company Response: Closed with explanation

Timely Response

2019-03-20

And, SC

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-03-19

Tucson, AZ

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: Ive contacted the company multiple times in regards to remove the debt from my credit report. Ive asked for validation ; and received no response at all. Ive asked for validation as well. The first letter was sent XX/XX/XXXX Second letter was sent XX/XX/XXXX Third letter was sent XX/XX/XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-03-16

NY

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: To Whom It May Concern, The reason for my dispute is EOS CCA was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, EOS CCA failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of New York allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) EOS CCA failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation EOS CCA is held liable as well for defamation and in the state of New York. EOS CCA has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!
Company Response: Closed with explanation

Timely Response

2019-03-15

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Company Response: Closed with explanation

Timely Response

2019-03-14

Carver, MA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: Good Evening, I just got off the phone with both XXXX and XXXX at EOS CCA company in regards to alleged debt from XXXX acct # XXXX, and it keeps showing that I still owed {$360.00} but this debt has been paid down in full with reference number # XXXX ... This is reporting wrong balance and they both mentioned that once it's paid that they will fax me the letter and put an order to get it removed or deleted from my credit report. Again, I had disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor.
Company Response: Closed with explanation

Timely Response