Product: Debt collection

Date : XX/XX/year> Hello, Additional Note in Regards to the Account with ABSOLUTE RECOVERY SERVICES. This party did not inform me or provide proper disclosure of their responsibility towards collecting the debt associated with XXXX XXXX XXXX ' account. The landlord did not notify the lessee of the transfer of debt within the designated time period and the debt collection agency provided conspicuous information that did not inform the lessee of their rights to dispute the information. There was a lack of clarity on who is to be contacted as the original creditor and holder of the agreement in regards to disputing, resulting in there being no provided clarity on the owner of the debt due to the information being presented inconspicuously. XXXX XXXX XXXX has not been provided conspicuous and detailed information on the owner of the debt and the disclosure of her information in regards to the account, it is not clear if ABSOLUTE RECOVERY SERVICES, LANDINGS AT XXXX XXXX, or XXXX XXXX XXXX is who is directly involved with or responsible towards the debt and how, resulting in breaches of consumer rights This is a complaint and dispute request under the U.S. Code ( XXXX XXXX XXXX, XXXX XXXX XXXX B, XXXX XXXX XXXX and XXXX XXXX XXXX ) and the Federal Education Rights and Privacy Act. Violations were found in regard to all the accounts listed above. XXXX XXXX XXXX did not consent to, was not asked for permission, or sent a disclosure for permission to access and report XXXX XXXX XXXX credit information from any of the above listed credit accounts in this document to any third party, credit reporting businesses, bureaus, or agencies. Failure to provide proper disclosure is a violation of institution privacy policy, as all businesses and financial institutions must provide clear and conspicuous disclosure to the consumer either in writing or by electronic communication ( XXXX XXXX XXXX and XXXX XXXX XXXX ). These violations can be found with all the credit accounts mentioned within this document and are a breach of consumer rights due to the reporting of the consumers information without permission and lack of fair and accurate reporting using reasonable procedures ( XXXX XXXX XXXX, XXXX XXXX XXXX ). In addition to these violations, all accounts reported from XXXX XXXX XXXX XXXX ( XXXX, Accounts ending in XXXX ) are being disputed for the breaches listed above as well as a breach of information pursuant to the Federal Education Rights and Privacy Act. Due to the removal of the Department of Education, XXXX XXXX personal information was compromised without authorization. Information regarding the student loan accounts associated with XXXX XXXX XXXX were reported to a third-party vendor without authorization. XXXX XXXX XXXX did not provide any permission for the transfer of debt to a third party, nor the reporting of information related to any debt, which occurred with the accounts related to XXXX  XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX, where XXXX XXXX XXXX information was also reported to and/or transferred to a third party/collection agency without authorization/consent ( XXXX XXXX XXXX ). 

It is requested that all credit reports associated with the listed accounts be removed due to the compromise and/ or sharing of information without authorization or providing proper disclosure to the consumer. No information regarding XXXX XXXX XXXX was or is authorized to be transferred to a third party without permission. This document can be considered written instruction that the listed credit accounts be removed from XXXX XXXX XXXX credit report due to the breaches described. 

Thank you for your time and consideration of this dispute/request. 



Statement of Desired Resolution : A fair primary resolution is the removal of any credit reports associated with these accounts, as well as the removal of any such balances related to these reported accounts as a remedy for the breaches in contract. Any company/business/agency/credit reporter that removes the credit report associated with the account should also remove any balances or bills associated with these accounts. Once the credit reports and balances have been removed, all associated security collateral can be sent to the address below, or the consumer can be notified the contract/collateral 's status for later requests/instructions. Any remaining balances and payments can be sent to : XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX, TN XXXX Sincerely, XXXX XXXX, XXXX XXXX XXXX for XXXX XXXX XXXX, also known XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX TN, XXXX Fax Number : ( XXXX ) XXXX Email : XXXX XXXX