Requesting copy of personal records
Am I within my rights to demand that a debt collection agency provide me with a copy (hard/electronic) of all of the records they have on file for me?
I have been back and forth with Financial Corporation of America for over a year now. Seven months ago I faxed all of my proof of payment information to them. I was told it would be researched and I would be contacted when the process was complete.
Tonight, 9/14/2011, I received a phone call at 8pm!! It was the exact same company calling to attempt collection.
I missed their initial call and called them back, the rep on the other end did not identify themselves and refused to disclose any pertinent information until I provided my own credentials.
I explained to them again that I faxed all of the payment information already, back in January 2011, and understood that the matter was settled.
At this point I am very aggravated by the incompetence of these people and I requested they provide me with a copy of all of the information they have on file under my name.
The service rep couldn't do anything for me so I escalated it up to their manager. The manager checked the logs and told me there was an entry stating that my payment information was in-fact received (something the phone rep completely missed somehow).
I put my request for information out again and the manager told me flat out "It's just not going to happen, we don't do that" in regards to releasing my information to me.
He tried to suggest that his verbal acknowledgement was more than adequate and that I need to give them 24 hours to research the matter and get back to me.
I took the request higher and asked to speak to this manager's boss who won't be in the office until 9/15/2011.
How are they justified in telling me I can't have access to my own personally identifiable information? This is my credit score they are screwing with and I'm supposed to trust them after they lost track of my account status information for seven months?
Obviously their staff in incompetent and negligent, I need recourse against this company and a copy of my records for my own files should I need to make this a legal matter.