Date Received: 2017-07-19T00:00:00
Product: Other debt
Issue: Written notification about debt
Consumer Consent Provided to Share Complaint: Consent provided
Consumer Complaint: I have been shopping for a refi on mortgage and found out that I had a collection on my credit report of XXXX. It indicates GC Services ( XXXX XXXX ) as the collection agency. I called XXXX on XXXX XXXX XXXX, paid the balances owed. I informed XXXX that it states GC Services on my credit report and I need that to be deleted. I informed XXXX that I have never been contacted by GC Services by phone nor mail. I did not know who this company was. XXXX stated that it would take 48 hours to delete the account from my credit report. I waited and nothing happened. I since sent a validation letter to GC Services asking for validation. I also made them aware that no one from their company had ever discussed or contacted me about their collection and I would like this to be removed from my credit report. It has created negative reporting and has / is affecting my score tremendously. On XXXX XXXX, I called GC Services and was told this was an attempt to collect a debt and it will not be removed from my credit report because they do not delete anything from your credit report. I believe that that my rights have been violated, as I never had any type of agreement with GC Services not written, verbal etc..GC Services should not be allowed to report any information on me. We have never had any type of contract between us. Also XXXX falsified information to me as they informed me that the credit report would be corrected with 48 hours of payment.
Company: GC Services Limited Partnership
State/Zip: GA 301XX
Company Response to Complaint: Closed with explanation
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 2579466
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