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Business Profile

Collections Agencies

Top Line Reporting Inc.

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Collections Agencies.

Complaints

Customer Complaints Summary

  • 18 total complaints in the last 3 years.
  • 14 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

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.

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Complaint status

Complaint type

  • Initial Complaint

    Date:03/10/2025

    Type:Billing Issues
    Status:
    Answered
    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.
    On February 12, 2025, I sent a debt validation request to Top Line Reporting Inc. via Certified Mail, requesting proof of an alleged debt they reported to **********. Under the Fair Debt Collection Practices Act (FDCPA, 15 U.S.C. 1692g), they were required to validate the debt or cease reporting it.Top Line Reporting failed to validate the debt but continued reporting the account to **********, violating the Fair Credit Reporting Act (FCRA, 15 U.S.C. 1681s-2).I disputed this directly with TransUnion, but Top Line Reporting falsely verified the tradeline without providing proper validation. This is a clear violation of federal law.I have filed complaints with the ****, FTC, and the NY Attorney General regarding these violations. I request BBB's assistance in having Top Line Reporting remove the unverified tradeline immediately.

    Business Response

    Date: 03/25/2025

    WE DO NOT RESPOND TO BBB DISPUTES. THEY ARE NONE VALID AND NOT WITH IN THE COMLIANCE PROCESS.

  • Initial Complaint

    Date:03/04/2025

    Type:Order Issues
    Status:
    Unanswered
    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 Top Line Reporting **** they did not provide me with the original contract as i requested.

    Customer Answer

    Date: 03/30/2025

    Better Business Bureau:

    At this time, I have not been contacted by Top Line Reporting Inc. regarding complaint ID ********.

    Sincerely,

    ***** *********

  • Initial Complaint

    Date:01/15/2025

    Type:Service or Repair Issues
    Status:
    Unanswered
    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.
    my personal information is being shared for reporting purposes to consumer reporting agencies, per the **** (*****-*****-****** Act) I will exercise my right to opt out and cease all reporting

    Customer Answer

    Date: 02/08/2025

    Better Business Bureau:

    At this time, I have not been contacted by Top Line Reporting Inc. regarding complaint ID ********.

    Sincerely,

    ***** *****

  • Initial Complaint

    Date:01/09/2025

    Type:Customer Service Issues
    Status:
    Unanswered
    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. I do not have a contract with Top Line collection agency. They did not provide me with the original contract as requested.

    Customer Answer

    Date: 02/06/2025

    Better Business Bureau:

    At this time, I have not been contacted by Top Line Reporting Inc. regarding complaint ID ********.

    Sincerely,

    ********* *****

  • Initial Complaint

    Date:12/03/2024

    Type:Billing Issues
    Status:
    Unanswered
    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 have attempted to contact this company multiple times via phone and email for the last several months for erroneous reporting. They are reporting a delinquent account for a rental agreement that is expired and beyond the lease date that is affecting my credit. I have sent proof of payments and my lease dates but have not heard back via email or phone. My credit report must be fixed immediately.

    Customer Answer

    Date: 12/28/2024

    Better Business Bureau:

    At this time, I have not been contacted by Top Line Reporting Inc. regarding complaint ID ********. They continue to charge my credit falsely but have not responded to me directly. 

    Sincerely,

    ****** ******

  • Initial Complaint

    Date:11/04/2024

    Type:Order Issues
    Status:
    Unanswered
    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 was renting an apartment two years ago with three roommates. I paid my share of the rent but the other haven't resulting in eviction notices twice. One of my roommates used rental assistance to cover a year of rent, in 2021. The roommates have not paid their portion in 2022. I moved out in February 2023 and in September of 2024, I found out that it went to collections for unpaid rent of $66,000 which is not entirely true because I've paid my portion and one of my roommates used rental assistance. Thank you in advance.

    Customer Answer

    Date: 11/29/2024

    Better Business Bureau:

    At this time, I have not been contacted by Top Line Reporting Inc. regarding complaint ID ********.

    Sincerely,

    ****** **********

  • Initial Complaint

    Date:08/05/2024

    Type:Service or Repair Issues
    Status:
    Unanswered
    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 have been notified by the credit reporting agencies that this company inaccurately reported that I was delinquent in paying my rent. My landlord has been notified of this issue. TransUnion lowered my credit score by 95 points due to Top Line Reporting's fraudulent reporting. I have worked hard to maintain an excellent credit score and they have ruined it.

  • Initial Complaint

    Date:06/20/2024

    Type:Billing Issues
    Status:
    Unanswered
    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.
    This company is reporting fraudulent information on my credit report and I can't get in touch with them I've been trying to get in contact with them since December they don't answer calls I leave messages no call back they don't email you back I sent letters no answer they reported that I owe $4,200 of back rent which is a lie because I have court agreement letter from the landlord saying I don't which is attached to this complaint

    Customer Answer

    Date: 07/16/2024

    Better Business Bureau:

    At this time, I have not been contacted by Top Line Reporting Inc. regarding complaint ID ********.

    Sincerely,

    *************************

  • Initial Complaint

    Date:05/01/2024

    Type:Billing Issues
    Status:
    Resolved
    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.
    My leasing office used this company as I was behind on rent. I made a huge payment towards the debt on Feb, but have not updated the new amount that I owe, which is 10K less then what they are reporting. I reached out and was told that It would be reported in March. It is now May and they have not sent the new balance into the credit bureaus.

    Customer Answer

    Date: 05/01/2024

    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 and the matter has been resolved.

    Sincerely,

    *************************



     

  • Initial Complaint

    Date:04/19/2024

    Type:Billing Issues
    Status:
    Unanswered
    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 was renting in ******** from July 2020 to March 2023. About half way through our last year we received notice that realty company JCS Realty, was going to start reporting rent payments to Topline. We thought this was a good idea because we always paid and paid on time. In Feb 2023, we contacted our landlord because we got an opportunity to move to ********. We found another tenant to move in, we made our last rent payment on March 1st and moved out March 5th. The apartment was leased again April 1st. Our security deposit was refunded April 18th- I was provided a ledger from the landlord. In March 2024 I noticed a charge off from Topline for December 2023. We had already been living in ******** for 9 months- never been contacted about any balance owed. I contacted the old landlord they confirmed every payment was current and we didnt owe them money. Ive disputed this negative reporting multiple times through TransUnion. They changed the rating from Charged of as bad debt to Payment made after charge off. The only payment made after we moved out was to ** in the form of a security deposit refund. There was no balance to charge off at all. I have proof of that. Ive called their office multiple times, Ive emailed them multiple times and my old landlord asked to be ccd on the emails because they dont understand the discrepancy. I dont even think Topline Reporting is a legitimate business. This is a scam.

Top Line Reporting Inc. is NOT a BBB Accredited Business.

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