Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:02/24/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with ******* ***** **************. I do not have a contract with EASTERN ACCOUNT SYST, they did not provide me with the original contract as I requested.

  Customer Answer

  Date: 02/24/2025

  February 10th evening time is when I contacted eastern account syst. I do not have the name of the person I spoke with. 

  Business Response

  Date: 02/24/2025

  Eastern Account System is a third-party collection agency that works on our client’s behalf. Your contract is with the original creditor, not Eastern Account System. You spoke to a representative on 12/9, seeking credit bureau removal and you were advised it is reporting correctly - zero balance/paid in full. You spoke to another representative on 12/11, and was advised it was updated to the bureaus and when.  You made a payment directly to the original creditor. The account is paid in full and has a zero balance.  Eastern Account System sent a notice allowing time to dispute, pay or validate the debt prior to credit reporting. At no time were the notices returned undeliverable. The notice was sent without a response.
  

• Initial Complaint

  Date:02/24/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  If adverse action is taken against me as a consumer i will consult my legal counsel. Please be advised that according to ** *** ***** - Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing-
  (1) the amount of the debt;
  (2) the name of the creditor to whom the debt is owed;
  (3)a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;
  (4)a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and
  (5)a statement that, upon the consumer's written 575 request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current
  224
  creditor.

  Business Response

  Date: 02/24/2025

  Eastern Account System takes great pride in our approach, the
  way we communicate and maintain compliancy.
  Eastern Account System is a third-party collection agency
  that works on our client’s behalf. Your contract is with the original creditor,
  not Eastern Account System. We do not own or purchase any debt. Your permission
  is not required to report a debt owed to the bureaus.
  ******* placed an account in collections July 2024 with a $457.31
  balance owed for service provided June 2018 through December 2023. The last
  payment was made in November 2023, prior to disconnect and the final prorated
  bill being generated.  The service address
  is the same address you have listed here in your complaint. The account was
  disconnected for nonpayment. This account was also placed with another agency
  prior to Eastern.  
  Eastern Account System sent a notice allowing time to
  dispute, pay or validate the debt prior to credit reporting to the same address
  you have listed here in your complaint. At no time were the notices returned
  undeliverable. The notice was sent without a response.
  Validation of the debt owed will be sent to you.
  We do have several
  different payment options, you can pay over the phone (###-###-####), on line
  at our website or mailing in the payment. If you opt to pay online the website
  is ***********************

• Initial Complaint

  Date:02/24/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I’ve disputed the account with Eastern Account Systems which is a collection agency for ********. The company keeps verifying the account as accurate with the credit bureau even though I settled and paid the balance on January 16, 2025. I also settled on January 10th, 2025 for $69.49 and then they called back on the 16th saying there’s agent made a mistake that they needed to do the transaction for $70. They promised to update my credit report within 30 days after payment and also send me a letter. Neither has happened. There online system even says there’s no balance.

  Business Response

  Date: 02/24/2025

  All updates are sent to the bureaus on the 10th or next business day every month. Please allow time for the bureaus to update your records.

  Customer Answer

  Date: 02/24/2025

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:
  
  

  on February 19th your company sent an update saying that i still owed the full balance. The balance was paid a month before that. I also never received an email or letter with the agreement showing it was paid as promised by 2 different representatives.

  
  
  Sincerely,
  
  
  
  ******* *********

  Business Response

  Date: 02/25/2025

  Updates were sent to the bureaus on 2/10 that the account was settled for a lesser amount and now has a 0 balance. You filed several disputes with the bureaus before and after the account was paid. You can follow up with the bureaus directly regarding how long it will take for your reports to be updated.

  Customer Answer

  Date: 02/25/2025

  
  
  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  
  
  
  Sincerely,
  
  
  
  ******* *********

• Initial Complaint

  Date:02/24/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Eastern Account System Inc, I am not in a contract with this agency located at ** **** ** ***** ***** ** ***** in the amount of $202, this is inaccurate information. Date of account Feb 16, 2024.

  Customer Answer

  Date: 02/24/2025

  Yes I have reached out to them customer service and they did not provide their last name, they closed the account but it is still on my credit report and I am not in a contract with them date was February 2024

  Business Response

  Date: 02/24/2025

  Please update your records.  Eastern Account System address is * ********* ** *** *** ******* ** *****. Eastern Account System is a third-party collection agency that works on our client’s behalf.  We do not own or purchase any debt. Eastern Account System sent a notice allowing time to dispute, pay or validate the debt prior to credit reporting . At no time were the notices returned undeliverable. The account was paid in full after credit reporting. The account is reporting correctly to the bureaus.  Eastern
  does not do “pay for delete”;this violates our contract with the credit bureaus
  if we remove entries without just cause.

  Customer Answer

  Date: 02/24/2025

  According to ** *** ***** you have violated my rights by in lawful communication. 

• Initial Complaint

  Date:02/21/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am filing this complaint against Eastern Account System, Inc. for unlawfully attempting to collect a debt that has already been paid and for incorrectly reporting this collection account on my credit report.
  
  Violations:
  **** **** ********** ********* *** ******* * ** ****** * ***** * ***** 
  They are falsely representing the status of a debt that has been paid in full to the original creditor.
  Attempting to collect a non-existent debt is a deceptive and unfair practice.
  **** ****** ********* *** ****** * ** ****** * ********** 
  They falsely reported the debt to credit bureaus as unpaid, despite it being settled.
  This is a violation of federal law, which requires furnishers to provide accurate information.
  ******** ********* ********** *** ****** * ** ****** * ***** * **** 
  Misrepresenting a debt’s status is an unfair, deceptive, or abusive act under the ****.
  
  This erroneous tradeline is negatively impacting my credit score and preventing me from securing employment. Many employers check credit reports as part of their hiring process, and this inaccurate account has already cost me job opportunities. I am facing severe financial hardship and need this issue resolved immediately.
  
  Requested Action:
  
  Immediate deletion of this tradeline from my credit reports on *******n, *******, and **********.
  Immediate removal of the false collection account from my credit reports.
  Written confirmation from Eastern Account System, Inc. that they will cease all collection attempts.
  Investigation into their practices to ensure compliance with federal and state laws.

  Business Response

  Date: 02/21/2025

  Eastern Account System takes great pride in our approach, the
  way we communicate and maintain compliancy. 
  Eastern
  Account System is a third-party collection agency that works on our client’s
  behalf.  We do not
  own or purchase any debt, we cannot alter adjust a balance owed in any way.

  *** placed an account in collections in October 2024 with a balance of $212.55 for service provided through August 2024. The original creditor did report a payment of $74.15 in November. There is a balance of $138.40.

  Your dispute has been forwarded to our client and if the balance is deemed owed, validation of the debt will be sent to you.

  Customer Answer

  Date: 02/21/2025

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:

  Eastern Account System, Inc. is unlawfully attempting to collect a debt that has already been paid and for incorrectly reporting this collection account on my credit report. Your actions violate multiple federal consumer protection laws.
  

  Clarification of Account Status:

  
  *** has confirmed that the balance has been ZERO since November.
  *** has acknowledged that the account was accidentally sent to collections.
  Given this, it is your responsibility to confirm this with your client before posting any response to the Better Business Bureau (BBB).
  

  Additionally, please take note of the daily accrued violation in accordance with collection laws regarding the amount paid to the original creditor before the account was mistakenly placed in collections.
  Violations:

  
  **** **** ********** ********* *** ******* * ** ****** * ***** * *****
  *** *** ******* ************ *** ****** ** * **** **** *** ******* **** *****
  ********** ** ******* * ************ **** ** * ********* *** ****** *********
  **** ****** ********* *** ****** * ** ****** * **********
  You have falsely reported the debt to credit bureaus as unpaid, despite it being settled.
  This violates federal law, which requires furnishers to provide only accurate information to credit bureaus.
  ******** ********* ********** *** ****** * ** ****** * ***** * ****
  Misrepresenting a debt’s status is an unfair, deceptive, or abusive act under the ****.
  Impact of Your Actions:
  This erroneous tradeline is negatively impacting my credit score and has already prevented me from securing employment. Many employers check credit reports as part of their hiring process, and this inaccurate account has already cost me job opportunities. I am facing severe financial hardship and need this issue resolved immediately.
  Requested Actions:
  Immediate deletion of this tradeline from my credit reports on ********, *******, and **********.
  Immediate removal of the false collection account from my credit reports.
  Written confirmation from Eastern Account System, Inc. that you will cease all collection attempts.
  A formal investigation into your practices to ensure compliance with federal and state laws.
  Eastern Account System’s Compliance Responsibility:
  Eastern Account System claims to take great pride in its approach, communication, and compliance. However, as a third-party collection agency working on behalf of your client, it is your obligation to verify with *** before taking further action.
  Failure to correct this matter promptly may result in formal complaints with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), my state Attorney General’s office, and potential legal action.
  I expect a written response within 10 days confirming the requested actions have been completed.
  

  
  
  Sincerely,
  
  
  
  *** *****

• Initial Complaint

  Date:02/21/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with Eastern Account System of Connecticut, Inc. I do not have a contract with Eastern Account System of Connecticut, Inc. They did not provide with the original contract as I requested.

  Customer Answer

  Date: 02/27/2025

  I have contacted their customer service number and received no answer or proof that I owe them anything. No account number or contract. They simply sent me a text saying I owe them money when I have never done any type of business with them. Contacted on 12/4/25

  Business Response

  Date: 02/27/2025

  Prior to this complaint, we have never heard from you. Eastern
  Account System is a third-party collection agency that works on our client’s
  behalf. 
  Your contract is with the original creditor, not Eastern
  Account System. We do not own or purchase any debt.

  ******* placed an account in collections November 2024 with a
  $783.81 balance owed for service provided May 2021-Septmeber 2024. The last payment
  was made to prior to disconnect and the final bill being generated.
  Eastern
  Account System sent a notice allowing time to dispute, pay or validate the debt
  prior to credit reporting. At no time were the notices returned undeliverable. The notice was
  sent without a response. We do have several
  different payment options, you can pay over the phone (###-###-####), on line
  at our website or mailing in the payment. If you opt to pay online the website
  is ***********************

• Initial Complaint

  Date:02/19/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing to formally dispute the alleged charge-off you have reported to the credit bureaus. Under federal law, you are required to ensure all information furnished is accurate and compliant with the **** ****** ********* *** (****) and **** ****** ******* *** (****). After reviewing my credit report, I have identified violations of the following f****** ********* ** ** ****** * ********** – You are required to report only accurate and verifiable information. If you are unable to prove the validity of this charge-off with proper documentation, you must immediately remove it.
  ** ** ****** * *********** – You must have a permissible purpose to continue reporting an account post-charge-off. If you cannot provide evidence of my direct consent, your reporting is in violation of federal law.
  3. 15 U.S.C. § 1666 – Under the **** ****** ******* ***, I have the right to dispute any billing errors or inaccuracies. You must provide a full investigation with verifiable documentation supporting this alleged debt. If you cannot, this charge-off must be immediately deleted.
  Failure to correct these violations will leave me with no choice but to escalate this matter to the ******** ********* ********** ****** (*****, the ******* ***** ********** (***), and legal counsel for willful non-compliance.
  I demand the immediate deletion of this charge-off from all credit bureaus. You have 30 days to respond with verifiable proof or confirmation of removal.
  This letter serves as formal notice under federal law. Failure to comply will be met with all available legal remedies.
  Sincerely,

  Business Response

  Date: 02/19/2025

  Eastern Account System sent notice allowing time to dispute, pay or validate the debt prior to credit reporting.   Calls were also placed and an additional notices sent. The account did not credit report until approximately 60 days later. Small payments were made to the original creditor. You were advised on a phone call the account would update to paid in full; not removed from the credit.  Eastern does not do “pay for delete”;this violates our contract with the credit bureaus if we remove entries without just cause.

  Customer Answer

  Date: 02/19/2025

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:
  
  According to **** ******* **** it is illegal to report information on my credit report without my permission. Thank you. Please remove this from my credit report now. 
  
  According to ** *** ***** you have violated my right by in lawful communications. Please remove his payed Collection off of my credit report. Thank you 
  
  Sincerely,
  
  
  
  ******** *******

• Initial Complaint

  Date:02/18/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am filing this complaint against Eastern Account System regarding an alleged debt they claim I owe. I requested proof that I was properly notified of this debt via certified mail, as required to ensure I was aware of such a financial obligation. However, the company has failed to provide sufficient proof that any such notification was sent to me in a verifiable manner, such as certified mail or other trackable means.
  
  Eastern Account System claims they sent me a letter, yet I never received such correspondence. I have requested proof of mailing, such as a certified mail receipt or other tracking confirmation that includes my signature upon receipt, but they have failed to provide any evidence to support their claim.
  
  Since they cannot verify that I was properly notified, I am demanding that they cease and desist all collection efforts regarding this alleged debt. Their failure to provide adequate proof of notification is a violation of my rights under the **** **** ********** ********* *** ******), as it prevents me from verifying the legitimacy of the claim against me.
  
  Additionally, I request that this alleged debt be removed from my credit report immediately, as it has been reported without proper verification and notification.
  
  I request that the BBB intervene and require Eastern Account System to either provide verifiable proof of their claim or cease collection efforts immediately, including removing the debt from my credit report. I appreciate your assistance in addressing this matter.
  
  Sincerely, ***** ******* ******

  Business Response

  Date: 02/18/2025

  You have filed three **** complains, I promptly responded to all of your complaints. Validation of the debt owed was sent to you and all communications and efforts have ceased per your request.  Response provided to your 1st complaint filed in December of 2024: Eastern Account System takes great pride in our approach, the way we communicate and maintain compliancy.
  Your contract is with the original creditor, not Eastern Account System. We do not own or purchase any debt.
  Eastern Account System is a third-party collection agency that works on our client’s behalf.
  ******** *********** ***  (***) placed an account in collections in October 2024 with a $3179.36 balance owed for service provided through August 2023. (The billing address ** ******* **  **** ****** **)
  Eastern Account System sent a notice allowing time to dispute, pay or validate the debt prior to credit reporting to the same address listed here in this complaint. At no time were the notices returned undeliverable. Calls were also placed, without a response.
  Validation of the debt has been requested and will be mailed to you.
  We do have several different payment options, you can pay over the phone (###-###-####), on line at our website or mailing in the payment. If you opt to pay online the website is www.easternaccounts.com   The second complaint was filed just 2 weeks later, I responded that it was a duplicate complaint (it was the same).   Another complaint followed shortly - the response was as follows: You have filed two **** complaints this month, we promptly responded and validation of the debt you owe was sent to on 1/3/2025
  Eastern Account System takes great pride in our approach, the way we communicate and maintain compliancy.
  In accordance with ******* state law, Eastern Account System is both licensed and registered in the state of *******.

  Customer Answer

  Date: 02/18/2025

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:

  I am filing this complaint against ******* *********** *** due to their failure to comply with consumer protection laws, specifically regarding the lack of proper notification before reporting an alleged debt on my credit report.
  Issues with ******* *********** ***:
  Failure to Provide Proof of Notification
  I never received any notice regarding an alleged debt from ******* *********** *** before discovering it on my credit report.
  Upon requesting proof that they notified me, they failed to provide any verifiable evidence, instead claiming that they did not receive a returned letter.
  Under fair debt collection practices, the only acceptable proof that I was notified would be certified mail with a return receipt or other verifiable delivery methods. Since they have failed to provide this, I consider their reporting unlawful and invalid.
  Unauthorized Credit Reporting Without Proper Notice
  I was never given an opportunity to dispute or validate this debt before they placed it on my credit report.
  This is a direct violation of **** ****** ********* *** ****** * *********, which requires furnishers of credit information to ensure accuracy and notify consumers before taking adverse actions.
  Posting an unverified and unnotified debt to my credit file is an unfair practice that has caused harm to my credit profile.
  Collection Attempts on Behalf of an Unrecognized Entity
  ******* *********** *** claims to be collecting a debt on behalf of another entity. However, I have never done business with them and do not recognize them or the amount they claim I owe.
  Under the **** **** ********** ********* *** ******) 15 U.S.C. § 1692g, they are required to send a written validation notice within five days of initial contact, which they have failed to do.
  Requested Resolution:
  I demand that ******* *********** ***:
  Provide certified proof that I received a legally required notification regarding this debt before they reported it.
  Immediately remove this unverified debt from my credit report if they cannot prove they followed legal procedures.
  Cease all collection efforts until they provide legitimate documentation proving the debt’s validity and my obligation to pay it.
  If they fail to comply, I will escalate this complaint by filing formal grievances with the ******** ********* ********** ****** (****) and the ******* ***** ********** ***** and will explore legal action for violations of ***** and **** laws.
  Thank you for your time and assistance in addressing this matter.
  Sincerely,
  ***** ******* ******

  
  
  
  Sincerely,
  
  
  
  ***** ******* ******

• Initial Complaint

  Date:02/18/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Eastern Account System has failed to validate the debt or remove the incorrect information. Their continued reporting of this account violates my consumer rights under federal law and has caused undue financial harm.
  Account Details:
  • Eastern Account System
  • Account Number: ******
  • Balance: $50.00
  • Date Reported: 01/10/2025
  • Credit Bureau Reporting: *******, ******** , ********** Violations of Federal Law:
  1. Failure to Validate the Debt *** *** ****** * ***** *** **** **** ********** ********* ***, I have the right to demand validation of any debt before it is reported or collected. Eastern Account System has not provided sufficient documentation proving that I owe this debt.
  2. Failure to Investigate Disputed Information *** *** *************** * *** **** ****** ********* *** ****** requires ******* and Eastern Account System to properly investigate any dispute within 30 days of receiving a dispute notice. I disputed this debt, and no proper investigation was conducted.
  3. Reporting Inaccurate or Unverifiable Information (** *** *****************
  o Creditors and collection agencies must ensure the accuracy of the information they report. Since this account cannot be verified, it should not be reported at all.
  4. Misrepresentation of Debt Status *** *** ****** * It is illegal for debt collectors to misrepresent the status or validity of a debt. Reporting an unverifiable debt as an active collection misrepresents my financial status and negatively impacts my credit.
  Effect on Me:
  • This inaccurate account has damaged my credit score, preventing me from obtaining necessary financial services.
  • I have experienced denied credit opportunities and increased interest rates due to this false report.
  
  1. Immediate deletion of this account from my credit report with *******.
  2. Written confirmation of deletion within 15 days.
  3. Cease all further collection efforts related to this account.
  4. Compensation for damages caused by this erroneous reporting.

  Business Response

  Date: 02/18/2025

  Eastern Account System is a third-party collection agency
  that works on our client’s behalf. Your contract is with the original creditor,
  not Eastern Account System. We do not own or purchase any debt. Your permission
  is not required to report a debt owed to the bureaus.
  ******* placed an account in collections November 2024 with a
  $50.00 balance owed for service provided November 2020 through April 2024. The service
  address is the same address you have listed here in your complaint.
  Eastern Account System sent a notice allowing time to
  dispute, pay or validate the debt prior to credit reporting to the same address
  you have listed here in your complaint. At no time were the notices returned
  undeliverable. The notice was sent without a response.
  Validation of the debt owed will be sent to you. Other than
  validation all communications have ceased per your request.
  We do have several
  different payment options, you can pay over the phone (###-###-####), on line
  at our website or mailing in the payment. If you opt to pay online the website
  is ***********************

  Business Response

  Date: 02/18/2025

  Eastern Account System is a third-party collection agency
  that works on our client’s behalf. Your contract is with the original creditor,
  not Eastern Account System. We do not own or purchase any debt. Your permission
  is not required to report a debt owed to the bureaus.
  ******* placed an account in collections November 2024 with a
  $50.00 balance owed for service provided November 2020 through April 2024. The service
  address is the same address you have listed here in your complaint.
  Eastern Account System sent a notice allowing time to
  dispute, pay or validate the debt prior to credit reporting to the same address
  you have listed here in your complaint. At no time were the notices returned
  undeliverable. The notice was sent without a response.
  Validation of the debt owed will be sent to you. Other than
  validation all communications have ceased per your request.
  We do have several
  different payment options, you can pay over the phone (###-###-####), on line
  at our website or mailing in the payment. If you opt to pay online the website
  is ***********************

  Customer Answer

  Date: 02/24/2025

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:
  
  
  
   I am writing in response to Eastern Account System ** ************ ****** message regarding the alleged $50.00 debt for ******* services. I maintain that I did not receive proper notice or adequate validation of this debt before it was reported to the credit bureaus, and I remain in dispute of its legitimacy. Below are my points of contention:
  Lack of Proper Validation:
  Eastern Account System claims they mailed a notice allowing me to dispute or pay before reporting the debt. I never received such notice, and only learned of this account when I saw it on my credit report (and/or received collection communications). Under the **** **** ********** ********* *** *******, I am entitled to clear, detailed validation of the alleged debt upon request—before any negative reporting.
  Dispute of the Debt:
  The service dates listed (November 2020 – April 2024) do not match my records or knowledge. I either did not reside at that address during some or all of that time, had canceled service, or was unaware of any outstanding charges. I request an itemized statement or additional documentation proving I am responsible for this amount.
  Request for Removal from Credit Bureaus if Unvalidated:
  If Eastern Account System cannot provide the valid contract or itemized billing showing I legitimately owe this $50.00, they must remove this account from all three major credit bureaus. Reporting a debt without proper proof is misleading and causes undue harm to my credit.
  Cease Further Collection Activity:
  I request that Eastern Account System cease collection efforts on this matter.
  I appreciate the BBB’s assistance in mediating this dispute. I look forward to Eastern Account System’s prompt and thorough response—either validating the charges in full compliance with the ***** or removing the negative entry if it cannot be substantiated.

  Customer Answer

  Date: 02/24/2025

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:
  
  
  
   I am writing in response to Eastern Account System ** ************ ****** message regarding the alleged $50.00 debt for ******* services. I maintain that I did not receive proper notice or adequate validation of this debt before it was reported to the credit bureaus, and I remain in dispute of its legitimacy. Below are my points of contention:
  Lack of Proper Validation:
  Eastern Account System claims they mailed a notice allowing me to dispute or pay before reporting the debt. I never received such notice, and only learned of this account when I saw it on my credit report (and/or received collection communications). Under the **** **** ********** ********* *** *******, I am entitled to clear, detailed validation of the alleged debt upon request—before any negative reporting.
  Dispute of the Debt:
  The service dates listed (November 2020 – April 2024) do not match my records or knowledge. I either did not reside at that address during some or all of that time, had canceled service, or was unaware of any outstanding charges. I request an itemized statement or additional documentation proving I am responsible for this amount.
  Request for Removal from Credit Bureaus if Unvalidated:
  If Eastern Account System cannot provide the valid contract or itemized billing showing I legitimately owe this $50.00, they must remove this account from all three major credit bureaus. Reporting a debt without proper proof is misleading and causes undue harm to my credit.
  Cease Further Collection Activity:
  I request that Eastern Account System cease collection efforts on this matter.
  I appreciate the BBB’s assistance in mediating this dispute. I look forward to Eastern Account System’s prompt and thorough response—either validating the charges in full compliance with the ***** or removing the negative entry if it cannot be substantiated.

• Initial Complaint

  Date:02/12/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  To Whom it may concern,
  
  This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
  
  EASTERN ACCOUNT SYSTEM - ***************** - $127.00
  
  Under the **** ****** ********* **** ** ****** * ***** I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don’t respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under ******* **************** By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

  Business Response

  Date: 02/12/2025

  Eastern Account System is a third-party collection agency
  that works on our client’s behalf. Your contract is with the original creditor,
  not Eastern Account System. We
  do not own or purchase any debt. 
  ******* placed an account in collections November 2024 with a
  $126.96 balance owed for service provided April 2021 through May 2024. The last
  payment was made prior to disconnect and the final prorated bill being
  generated.  The service address is **** ***** **  **** ***** **.    This account
  was also placed with another agency prior to Eastern.
  Eastern Account System sent a notice allowing time to
  dispute, pay or validate the debt prior to credit reporting to the same address
  you have listed here in your complaint. At no time were the notices returned
  undeliverable. The notice was sent without a response. 
  Validation of the debt owed will be sent to you.
  We do have several
  different payment options, you can pay over the phone (###-###-####), on line
  at our website or mailing in the payment. If you opt to pay online the website
  is ***********************