ComplaintsforMRS BPO, L.L.C.

• Initial Complaint

  08/08/2021

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  As I began to refi my house I discovered I had a collection account from MRS BPO from ********. Amount for $216.00 , a second time paid. I paid last April, as I moved out of said house December 2019. Collection account reported to Credit Bureaus May 24, 2021. Was never contacted via phone, email, or email by them nor ********. As soon I was made aware of I disputed paid last April directly to ********. I requested that if I pay will they remove from my report. After back and forth the young lady stated , once ******** notifies MRS BPO balance is paid they would remove. As of today still not removed after two more calls asking them to remove collection since I paid balance in full. They stated they never said that and the system shows those notes not able to delete or remove collection account. Beware of the practices of MRS BPO not working in good faith doing as they say.

  Business response

  08/16/2021

  BBB ID: ********
  MRS Ref: ***-********
  
  Dear Stephanie W.,
  
  MRS BPO, LLC (“MRS”) received a copy of the complaint ****** ******* (“Consumer”) submitted to the Better Business Bureau of New Jersey (“BBB”). We welcome the opportunity to assist with this matter.
  
  This complaint is regarding an account that our client placed with MRS for collection (“Subject Account”).  MRS does not own the account at issue.
  
  Recap of complaint
  The consumer states in the complaint that MRS told them that it would delete the account from their credit report once it was paid.  The consumer states that MRS is now saying it cannot delete the reporting of the account.   The consumer’s desired resolution is to have the account removed from your credit report.  
  
  Response 
  MRS conducted an investigation in order to address the concerns.  Our investigation included a thorough review of the account activity, recorded calls, and credit reporting history.  
  
  MRS denies any suggestion that its representatives told the consumer at any time that it would delete the reporting of the account.  Our representatives, on several calls, clearly explained that MRS does not delete the reporting of the account, but will update the credit bureaus within 30 days after the account is paid.  
  
  On July 29, 2021, the consumer called our office and paid the account.  The representative explained that it would update the credit bureaus within 30 days that the account was paid.  
  
  The consumer called our office on July 30, 2021, and again on August 6, 2021.  During each of these calls, our representatives correctly explained that MRS would update the credit bureaus that the account was paid.  
  
  What we are doing to help
  MRS requested that the applicable national credit reporting agencies, Experian, Equifax, and TransUnion (the “Credit Bureaus”), delete MRS’ reporting of the trade line(s) associated with the subject account.   MRS cannot affect the length of time it takes for each bureau to update its records regarding our request.  MRS shall not have any obligation to follow up with the credit bureaus to insure deletion of any trade line.  We trust this will satisfy the consumer’s desired resolution.  
  
  Thank you for your courtesy and cooperation.  If you have any additional questions or concerns regarding our investigation, you can contact MRS directly. Our contact information is below.   
  
  Sincerely,
  MRS 
  
  This is an attempt to collect a debt and any information obtained will be used for that purpose. 
  This communication is from a debt collector.
  

• Initial Complaint

  07/25/2021

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I am not liable for this debt with CENTURYLINK and I do not have a contract with MRS BPO, LLC. plus they did not provide me with the original application like I asked.

  Business response

  07/30/2021

  BBB ID: ********
  MRS Ref: ***********
  
  
  
  MRS BPO, LLC (“MRS”) received a copy of the complaint **** **** (“Consumer”) submitted to the
  Better Business Bureau of New Jersey (“BBB”). We welcome the opportunity to assist with this matter.
  
  Recap of Complaint
  The consumer states in the complaint that they are not liable for this debt with CENTURYLINK and they do not have a contract with MRS BPO, LLC, plus MRS did not provide the consumer with the original application like they asked.  The consumer is requesting the account be deleted from my credit report.  
  
  What we did when we received the complaint
  MRS initiated an investigation in order to address the concerns.  Our investigation included a review of the account, correspondence, and credit reporting history.   
  
  What we found
  This complaint is regarding an account that our client placed with MRS for collection (“Subject Account”).  MRS does not own the account at issue.  
  
  On October 23, 2019, our client placed the account with MRS for collection. 
  
  On December 18, 2019, our client notified us a payment was received.  The account was closed and returned to our client as resolved. MRS reported to the credit reporting agencies that the subject account was paid.
  
  MRS did not receive any dispute or request for documentation regarding the subject account until July 19, 2021.  Upon receipt of the request on July 19, 2021, MRS requested our client validate the subject account.  Our client provided a copy of the billing statement from December 21, 2019.  MRS mailed a copy to the consumer.  For your convenience, and the consumer’s convenience, a copy is included with this response.  
  
  Resolution
  MRS requested deletion from credit reporting.  MRS sent this request to Equifax, Experian and TransUnion.  MRS cannot affect the length of time it takes for each bureau to update its records regarding our request.  MRS shall not have any obligation to follow up with the credit bureaus to ensure deletion of the subject account.  We trust this will satisfy the consumer’s desired resolution.  
  
  Thank you for your courtesy and cooperation.  If you have any additional questions or concerns regarding our investigation, you can contact MRS directly.  Our contact information is below. 
  
  Sincerely,
  MRS BPO, L.L.C.
  **** ***** *** ****** ***** ** *****  ***** ********  *********************
  
  This is an attempt to collect a debt and any information obtained will be used for that purpose. 
  This communication is from a debt collector.
  
  Attachment:
  Billing Statement Dec. 21, 2019
  
  

• Initial Complaint

  07/21/2021

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I got a call from MRS today and wanted me to give private information without first telling me who they are. After i told the lady i file chapter 13 and the company they were representing was on the bankruptcy she was asking questions that my attorney told me not to answer and i was going to give her the name and number of my lawyer and she hung up on me. These companies are rude vile and desperate. Most of the actions are illegal but they do not realize that some of us were paralegals and know the law.

  Business response

  07/30/2021

  BBB ID: ********
  MRS Ref: ************
  
  **** ********* ***
  
  MRS BPO, LLC (“MRS”) received a copy of the complaint ******* ********* (“Consumer”) submitted to the Better Business Bureau of New Jersey (“BBB”).  Please accept this letter as our response to your complaint. The information contained in this response is personal and confidential.
  
  This complaint is regarding an account that our client placed with MRS for collection (“Subject Account”).  MRS does not own the account at issue.
  
  The consumer states that MRS requested they provide “private information” without first telling them who MRS is.  The consumer states that after informing the MRS representative that they filed for bankruptcy, the representative hung up on them.  The consumer characterizes MRS as “rude vile and desperate,” and believes most of MRS’ actions are illegal.  The consumer’s desired resolution is to receive no further contact from MRS.  
  
  MRS denies any suggestion that it violated collection laws in connection with the communications described in the complaint, or that it was in any way rude, vile, or desparate.    
  
  MRS policy is that we cannot conduct a conversation about an account without verification.  We do this to protect confidentiality and customer information.  
  
  On July 21, 2021, the consumer spoke with one of our representatives.  The representative was at all times polite and professional.  The consumer verified their address, and the last 4 digits of their SSN.  The consumer indicated they filed bankruptcy.  When the consumer was about to provide their attorney’s information, the representative unintentionally disconnected the call.  
  
  MRS strives to provide excellent customer service.  This incident is not typical and was the result of a mistake.  MRS sincerely apologizes to ******* ********* for any misunderstanding or inconvenience.  
  
  MRS will not make further efforts to communicate with the consumer regarding the subject account.  We trust this will satisfy the consumer’s request. 
  
  Thank you for your courtesy and cooperation.  If you have any additional questions or concerns regarding our investigation, you can contact MRS directly.  Our contact information is below.  
  
  Sincerely,
  MRS BPO, L.L.C.
  **** ***** *** ****** ***** ** *****  ***** ********  *********************
  
  This is an attempt to collect a debt and any information obtained will be used for that purpose. 
  This communication is from a debt collector.
  
  

• Initial Complaint

  07/17/2021

  Complaint Type:

  Customer Service Issues

  Status:

  Resolved

  More info

  I received a letter from MRS Associates, on 07/17/2021, stating I owe $212.12 to **** ********. I’ve never had any association with **** ******** EVER. I need this to be removed before it goes on my credit. Also, I would like to discontinue any further contact from this company unless it’s telling me the account is closed and removed from my name

  Business response

  07/28/2021

  BBB ID: ********
  MRS Ref: ***-*******
  
  Dear ********* W.,
  
  MRS BPO, LLC (“MRS”) received a copy of the complaint ******** **** **. (“Consumer”) submitted to the Better Business Bureau of New Jersey (“BBB”).  Please accept this letter as our response to your complaint. The information contained in this response is personal and confidential.
  
  This complaint is regarding an account that our client placed with MRS for collection (“Subject Account”).  MRS does not own the account at issue.
  
  The consumer states that they received a letter from MRS regarding an **** ******** account.  The consumer states that they never had any associate with **** ********.  The consumer is seeking an adjustment to the billing before it goes on their credit, and to receive no further contact from MRS.  
  
  This complaint is the first notice MRS received indicating that the subject account is disputed. 
  
  On July 6, 2021, our client placed the subject account with MRS for collection.  MRS mailed a letter containing notice of the placement of the subject account with MRS and information related to the right to dispute the debt or request additional information about the debt in accordance with the Fair Debt Collection Practices Act.  The consumer acknowledged in the complaint that they received this letter.  MRS did not receive any response from the consumer prior to this complaint.  
  
  Upon receipt of the complaint, MRS requested our client provide documentation to support the validity of the subject account.  As of the date of this response, we have not received the requested documentation.  We recommend the consumer contact **** directly with any questions regarding the account.  MRS does not own the account and cannot adjust the balance.  
  
  MRS did not, and will not report the subject account to the credit reporting agencies. 
  
  MRS will not make further efforts to communicate with the consumer regarding the subject account.  We trust this will satisfy the consumer’s request. 
  
  MRS apologizes to ******** **** Sr. for any misunderstanding or inconvenience.  
  
  Thank you for your courtesy and cooperation.  If you have any additional questions or concerns regarding our investigation, you can contact MRS directly.  Our contact information is below.  
  
  Sincerely,
  MRS BPO, L.L.C.
  
  
  This is an attempt to collect a debt and any information obtained will be used for that purpose. 
  This communication is from a debt collector.
  
  

  Customer response

  07/28/2021

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  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.
  
  Regards,
  
  ******** **** **

• Initial Complaint

  07/16/2021

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Mrs Associates has put a collection account on my credit report. I have never heard of this company. They have never sent anything to me in writing on what this debt is. They need to prove that I owe them something.

  Business response

  07/28/2021

  BBB ID: ********
  MRS Ref: ************
  ,
  
  MRS BPO, LLC (“MRS”) received a copy of the complaint ******* ****** (“Consumer”) submitted to the Better Business Bureau of New Jersey (“BBB”).  Please accept this letter as our response to your complaint. The information contained in this response is personal and confidential.
  
  This complaint is regarding an account that our client placed with MRS for collection (“Subject Account”).  MRS does not own the account at issue.
  
  The consumer states that MRS put a collection account on their credit report.  The consumer states they have never heard of MRS, and that MRS never sent anything in writing on what the debt is.  The consumer is seeking proof that they owe, and a correction to their credit report.  
  
  MRS denies any suggestion that it never sent anything in writing to the consumer.  This complaint is the first request for validation of the subject account.  MRS will mail documentation validating the subject account upon receipt.  MRS requested Equifax, Experian and TransUnion remove the reporting of the subject account. 
  
  On May 29, 2021, our client placed the subject account with MRS for collection.  MRS mailed a letter containing notice of the placement of the subject account with MRS and information related to the right to dispute the debt or request additional information about the debt in accordance with the Fair Debt Collection Practices Act.  On July 13, 2021 MRS mailed another letter, in which we presented options to resolve the balance.  MRS did not receive any response from the consumer prior to this complaint.  
  
  Upon receipt of the complaint, MRS requested our client provide documentation to support the validity of the subject account.  As of the date of this response, we have not received the requested documentation.  Any documentation MRS receives from our client to validate the subject account will be mailed to the consumer.
  
  MRS will suspend attempts to contact the consumer regarding the subject account until such time as the documentation validating the subject account is mailed to the consumer.  While MRS will not make further efforts to communicate with the consumer regarding the subject account, the consumer is free to contact MRS to discuss the matter at their convenience.  The consumer is also free to communicate with MRS in writing.  
  
  On July 21, 2021, MRS requested deletion from credit reporting.  MRS sent this request to Equifax, Experian and TransUnion.  Please note that MRS cannot affect the length of time it takes for each bureau to update its records regarding our request.  MRS shall not have any obligation to follow up with the credit bureaus to ensure deletion of the subject account.  We trust this will satisfy the consumer’s request.  
  
  MRS apologizes to ******* ****** for any misunderstanding or inconvenience.  
  
  Thank you for your courtesy and cooperation.  If you have any additional questions or concerns regarding our investigation, you can contact MRS directly.  Our contact information is below.  
  
  Sincerely,
  MRS BPO, L.L.C.
  **** ***** *** ****** ***** ** *****  ***** ********  *********************
  This is an attempt to collect a debt and any information obtained will be used for that purpose. 
  This communication is from a debt collector.
  
  ********* RESIDENTS:
  This collection agency is licensed by the ********* Department of Commerce.

• Initial Complaint

  07/14/2021

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I was currently made aware of cable owed by this company the accused me of owing 817.00 for a cable bill from spectrum. I was never made aware of this bill until now. Also I requested that this company provide me with the proper documentation that could validate this debt i never received the documents. This company is reporting false info to my credit reports.

  Business response

  07/23/2021

  BBB ID: ********
  MRS Ref: ************
  
  
  
  MRS BPO, LLC (“MRS”) received a copy of the complaint ***** ****** (“Consumer”) submitted to the Better Business Bureau of New Jersey (“BBB”).  Please accept this letter as our response to your complaint. The information contained in this response is personal and confidential.
  
  This complaint is regarding an account that our client placed with MRS for collection (“Subject Account”).  MRS does not own the account at issue.
  
  The consumer states they were not made aware of the account until now.  The consumer states that they requested documentation that could validate the account but they never received the documents.  The consumer believes MRS is reporting false information to their credit report.  The consumer would like the account to be removed from their credit report.  
  
  On December 18, 2020, our client placed the subject account with MRS for collection.  MRS mailed a letter containing notice of the placement of the subject account with MRS and information related to the right to dispute the debt or request additional information about the debt in accordance with the Fair Debt Collection Practices Act.  
  
  MRS requested our client provide documentation to support the validity of the subject account. Our client responded to MRS stating that the consumer is responsible for a service balance of $588.09 and an equipment balance of $228.75.  
  
  The unreturned equipment includes an HD DVR, a modem, and a router.  If the consumer has proof that the equipment was returned, they may provide proof to Spectrum.  If they have the equipment and it is in good condition, they may return the equipment to the Charter/Spectrum Store closest to them.  To find the closest **************** ***** ***** ********************************
  
  MRS will not make any further attempt to contact the consumer regarding the subject account.  The account has been returned to our client.  If the consumer has any questions regarding the account, we recommend they contact Spectrum.  
  
  On July 21, 2021, MRS requested deletion from credit reporting.  MRS sent this request to Equifax, Experian and TransUnion.  Please note that MRS cannot affect the length of time it takes for each bureau to update its records regarding our request.  MRS shall not have any obligation to follow up with the credit bureaus to ensure deletion of the subject account.  We trust this will satisfy the consumer’s request.  
  
  MRS apologizes to ***** ****** for any misunderstanding or inconvenience.  
  
  Thank you for your courtesy and cooperation.  If you have any additional questions or concerns regarding our investigation, you can contact MRS directly.  Our contact information is below. 
  
  Sincerely,
  MRS BPO, L.L.C.
  **** ***** *** ****** ***** ** *****  ***** ********  *********************
  
  This is an attempt to collect a debt and any information obtained will be used for that purpose. 
  This communication is from a debt collector.
  
  

• Initial Complaint

  07/12/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am not liable for this debt with MRSBPO (Original Creditor: ** ********* ************* 05/04/2021 $499.00 and I do not have a contract plus they did not provide me with the original application as I asked. I demand that this account be deleted from my credit report.

  Business response

  07/23/2021

  BBB ID: ********
  MRS Ref: ************
  
  
  
  MRS BPO, LLC (“MRS”) received a copy of the complaint ****** *********** (“Consumer”) submitted to the Better Business Bureau of New Jersey (“BBB”). Please accept this letter as our response to your complaint. The information contained in this response is personal and confidential. 
  
  Recap of Complaint
  The consumer states in the complaint that they are not liable for this debt with SPECTRUM and they do not have a contract with MRS ASSOCIATES. The consumer states that MRS did not provide the consumer with the original application like they asked. The consumer is requesting a correction to their credit report.
  
  What we did when we received the complaint
  MRS initiated an investigation in order to address the concerns. Our investigation included a review of the account, correspondence, and credit reporting history. 
  
  What we found
  This complaint is regarding an account that our client, Spectrum, placed with MRS for collection (“Subject Account”). MRS does not own the account at issue. 
  
  On May 4, 2021, our client, Spectrum, placed an account with MRS for collection. The placement included the consumer’s name and email address. 
  
  Per the Spectrum Customer Agreement, the subscriber (consumer) consents to allow Spectrum and its authorized representatives, such as MRS, to contact the subscriber at any email address that the subscriber provided to Spectrum. 
  
  MRS sent an email to the email address provided, ************************ containing notice of the placement of the account with MRS and information related to the consumer’s right to dispute the debt or request additional information about the debt in accordance with the Fair Debt Collection Practices Act.
  
  MRS did not receive any communication from the consumer prior to the complaint submitted to the BBB. 
  
  What we are doing to help
  This complaint is the first notification that the subject account is disputed. MRS did not receive any prior request for a copy of the original contract or any other documentation to validate the subject account.  
  
  MRS requested our client provide documentation to support the validity of the subject account. Our client responded to MRS stating that the consumer is responsible for a service balance and a balance for unreturned equipment.  Copies of the Billing Statements from April, May, and June 2020 have been mailed to the consumer.  For your convenience, and the consumer’s convenience, copies are included with this response.  
  
  The unreturned equipment includes an HD receiver, a modem, and a router.  If the consumer has proof that the equipment was returned, they may provide proof to Spectrum and/ or MRS.  If they have the equipment and it is in good condition, they may return the equipment to the Charter/Spectrum Store closest to them.  To find the closest Charter/Spectrum Store visit https://www.spectrum.com/stores.
  
  MRS will suspend attempts to contact the consumer regarding the subject account for a minimum of 30 days, to allow the consumer the opportunity to review the documentation provided.  While MRS will temporarily suspend efforts to communicate with the consumer regarding the subject account, they are free to contact MRS to discuss the matter at their convenience.  They are also free to communicate with MRS in writing.
  
  If the consumer wishes to make a payment, they may do so by visiting our website, mailing payment to the address below, or calling one of our representatives at (**** ********* 
  
  MRS requested deletion from credit reporting. MRS sent this request to Equifax, Experian and TransUnion. MRS cannot affect the length of time it takes for each bureau to update its records regarding our request. MRS shall not have any obligation to follow up with the credit bureaus to ensure deletion of the subject account.  We trust this will satisfy the consumer’s desired resolution.
  
  Thank you for your courtesy and cooperation. If you have any additional questions or concerns regarding our investigation, you can contact MRS directly. Our contact information is below.
  
  Sincerely,
  MRS BPO, L.L.C.
  **** ***** *** ****** ***** ** ***** ***** ******** *********************
  
  This is an attempt to collect a debt and any information obtained will be used for that purpose.
  This communication is from a debt collector
  
  Attachments:
  Billing Statement June 12, 2020
  Billing Statement May 28, 2020
  Billing Statement April 28, 2020
  
  

• Initial Complaint

  07/03/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am requesting that this account be removed from my credit report due to I am no longer liable for this debt. I would like a goodwill deletion from credit.

  Business response

  07/14/2021

  BBB ID: ********
  MRS Ref: ***-*******
  
  Dear ********* W.,
  
  MRS BPO, LLC (“MRS”) received a copy of the complaint ********* ****** (“Consumer”) submitted to the Better Business Bureau of New Jersey (“BBB”).  We welcome the opportunity to assist with this matter.
  
  This complaint is regarding an account that our client placed with MRS for collection (“Subject Account”).  MRS does not own the account at issue.
  
  The consumer is requesting a “goodwill” deletion of the account from their credit report, due to the consumer being no longer liable for the debt.
  
  On July 15, 2020, the account was paid.  The account was closed and returned to our client as resolved. MRS reported to the credit reporting agencies that the subject account was paid.  
  
  Upon consideration of the consumer’s request, MRS requested deletion from credit reporting.  MRS sent this request to Equifax, Experian and TransUnion.  MRS cannot affect the length of time it takes for each bureau to update its records regarding our request.  MRS shall not have any obligation to follow up with the credit bureaus to ensure deletion of the subject account.
  
  We trust this will satisfy the consumer’s request.  
  
  Thank you for your courtesy and cooperation.  If you have any additional questions or concerns regarding our investigation, you can contact MRS directly.  Our contact information is below.  
  
  Sincerely,
  MRS BPO, 
  
  This is an attempt to collect a debt and any information obtained will be used for that purpose. 
  This communication is from a debt collector.
  
  

  Customer response

  07/14/2021

  You are stating that a deletion was sent to the credit bureaus since 2020 and its a year later and it's still on my credit report so I was wondering if you are able to send something again letting the credit bureaus know to remove this account. Thanks
  
  Complaint: ********
  
  
  I am rejecting this response because:
  
  
  
  
  Regards,
  
  
  ********* ******

  Business response

  07/16/2021

  BBB ID: ********
  MRS Ref: ***-*******
  
  Dear ********* W.,
  
  MRS BPO, L.L.C. (MRS) is in receipt of ********* ******’s rejection of our response dated July 14, 2021.  
  ********* ****** rejected our response, stating: “You are stating that a deletion was sent to the credit bureaus since 2020 and its a year later and it's still on my credit report so I was wondering if you are able to send something again letting the credit bureaus know to remove this account. Thanks”
   
  As stated in our initial response, MRS reported to the credit reporting agencies in July 2020 that the subject account was paid.  It was upon consideration of the July 2021 complaint filed with the Better Business Bureau of New Jersey (“BBB”) that MRS requested deletion from credit reporting.  MRS submitted the request to the credit reporting agencies on July 14, 2021, the same date as the response to the complaint.  
  
  We apologize to ********* ****** for any misunderstanding.  As stated in our initial response, MRS cannot affect the length of time it takes for each bureau to update its records regarding our request. MRS shall not have any obligation to follow up with the credit bureaus to ensure deletion of the subject account.
  
  Thank you for your courtesy and cooperation.  We request this case be closed with the BBB as we have made reasonable efforts to satisfy the consumer’s request.  If you have any additional questions or concerns regarding our investigation, you can contact MRS directly.  Our contact information is below.
  
  We request this case be closed with the BBB as we have made reasonable efforts to satisfy the consumer’s request.  
  
  Sincerely,
  MRS BPO, llc
  
  This is an attempt to collect a debt and any information obtained will be used for that purpose. 
  This communication is from a debt collector.
  
  

• Initial Complaint

  06/24/2021

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I was made aware of this collection only once it had hit my credit report since I was not aware of it prior to that. I made the payment right away to avoid further collection activity yet MRS BPO continuously keeps reporting this as a negative to my credit profile even after having this account validated February 10, 2021 got no response again I sent a letter letting them know that they are continuing to report even after failing to respond to my request this was sent on March 22, 201. Again no response a third letter went out on May 4, 2021 letting them know that it should no longer be reporting on my credit report I failed to get a response again. Failure to respond is not Ok and therefore this account needs to be removed off of all credit agencies it is being reported to.

  Business response

  07/01/2021

  *** *** ******** *** **** ***********
  **** ********* ***
  MRS BPO, LLC (“MRS”) received a copy of the complaint ******* *********** (“Consumer”) submitted to the Better Business Bureau of New Jersey (“BBB”).  We welcome the opportunity to assist with this matter.
  
  The complaint is regarding an account that our client, ***** **, placed with MRS for collection.  The consumer is requesting to have the paid account removed from their credit report.  
  
  On October 13, 2020, our client placed the subject account with our office for collection. MRS mailed a letter to the consumer containing notice of the placement of the account with MRS and information related to the consumer's right to dispute the debt or request additional information about the debt in accordance with the Fair Debt Collection Practices Act.  MRS did not receive any communication from the consumer. 
  
  On or about December 2, 2020, MRS reported the subject account to the major credit reporting agencies, ******** ******** *** ***********
  On December 9, 2020, our client notified us that a payment was received.  The account was closed and returned to our client as resolved. MRS reported to the credit reporting agencies that the subject account was paid.
  
  Upon consideration of the consumer’s request, MRS requested deletion from credit reporting.  MRS sent this request to ******** ******** *** **********.  MRS cannot affect the length of time it takes for each bureau to update its records regarding our request.  MRS shall not have any obligation to follow up with the credit bureaus to ensure deletion of the subject account.
  
  MRS apologizes to ******* *********** for any inconvenience or misunderstanding.   
  
  Thank you for your courtesy and cooperation.  If you have any additional questions or concerns regarding our investigation, you can contact MRS directly.  Our contact information is below.  
  
  ********** *** **** ****** **** ***** *** ****** ***** ** *****  ***** ********  *********************
  This is an attempt to collect a debt and any information obtained will be used for that purpose. 
  This communication is from a debt collector.
  
  

  Customer response

  07/01/2021

  ** ******* ****** ** ******** **** ***** ********* **** ********** ** *** ********** *********  ** *** ***** *** *** ****** ** ****** ******* ****
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID 15589392, and find that this resolution is satisfactory to me.
  
  Regards,
  
  ******* ***********

*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. ↩