I had a debt with Dell Financial Services from 2008 and was contacted by Financial Recovery Services. The agreement to validate the debt was never fulfilled, no agreement between the two companies were provided, I had to pay the debt to prevent further damage to my credit report, and the account is continually incorrectly reported to the credit bureaus. The customer service personnel do not assist with paid debts. I have spoken with four people today who have provided false case numbers and do not return calls. They also refuse to provide account history. I have now filed a formal complaint with the Texas Attorney General, the Better Business Bureau, and the Federal Trade Commission's Consumer Sentinel system. I am sending a certified letter tomorrow informing Dell Financial Services they have violated the FCRA and the FCDPA, and I am taking further action. This company has a history of judgments against their violations of the FCRA and the FCDPA. It has been months since the requests have been made. The company now must remove the items from my credit report, but they refuse to comply with any laws. This is my last action prior to retaining an attorney.
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