Product: Debt collection

PLEASE FIND BELOW A " REDACTED '' COPY of MY INITIAL COMMUNICATION SENT VIA " CERTIFIED MAIL '' TO THE SUBJECT COMPANY : " ACCOUNTS RESOLUTION SERVICES ( ARS ) '' THE INFORMATION CONTAINED INCLUDES THE AMOUNTS AS WELL AS KEY ASPECTS OF MY ISSUES AND DISPUTES : I HAVE ATTEMPTED TO RESOLVE THESE ISSUES BY SENDING INFORMATION TO THE THREE CREDIT BUREAU 'S WITH LITTLE TO NO SUCCESS OR ANY FURTHER VALIDATION FROM SAID COMPANY OF SAID DEBTS AND HAVE NOW DECIDED TO SUBMIT THIS DISPUTE VIA THIS MEDIUM. 


To : Account Resolution Services ( ARS ) A division of HRRG, LLC XXXX. XXXX  XXXX XXXX, Florida XXXX XXXX Tel : XXXX Address Provided via Collection Listings : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, Florida,  XXXX Tel : XXXX MAIL RETURN ONLY ADDRESS PROVIDED : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX RE : Account name : ARS ACCOUNT RESOLUTION Amount : {$1300.00} Account Designator Code : INDIVIDUAL_ACCOUNT Account # XXXXXX XXXX Account Type : Medical or Health Care Original Creditor Name : XXXX XXXX XXXX Date of First Delinquency : XX/XX/XXXX Account name : ARS ACCOUNT RESOLUTION Amount : {$640.00} Account Designator Code : INDIVIDUAL_ACCOUNT   Account # XXXXXX XXXX Account Type : Medical or Health Care  Original Creditor Name : XXXX XXXX XXXX Date of First Delinquency : XX/XX/XXXX Account name : ARS ACCOUNT RESOLUTION Amount : {$1000.00} Account Designator Code : INDIVIDUAL_ACCOUNT Account # XXXXXX XXXXXXXX Account Type : Medical or Health Care Original Creditor Name : XXXX XXXX XXXX Date of First Delinquency : XX/XX/XXXX Account name : ARS ACCOUNT RESOLUTION Amount : {$930.00} Account Designator Code : INDIVIDUAL_ACCOUNT Account # XXXXXX XXXXXXXX Account Type : Medical or Health Care Original Creditor Name : XXXX XXXX XXXX Date of First Delinquency : XX/XX/XXXX Account name : ARS ACCOUNT RESOLUTION Amount : {$1300.00} Account Designator Code : INDIVIDUAL_ACCOUNT Account # XXXXXX XXXXXXXX Account Type : Medical or Health Care Original Creditor Name : XXXX XXXX XXXX Date of First Delinquency : XX/XX/XXXX Account name : ARS ACCOUNT RESOLUTION Amount : {$870.00} ( DUPLICATE ) Account Designator Code : INDIVIDUAL_ACCOUNT Account # XXXXXX XXXX Account Type : Medical or Health Care Original Creditor Name : XXXX XXXX XXXX Date of First Delinquency : XXXX  XXXX, XXXX Account name : ARS ACCOUNT RESOLUTION Amount : {$960.00} Account Designator Code : INDIVIDUAL_ACCOUNT Account # XXXXXX XXXXXXXX Account Type : Medical or Health Care Original Creditor Name : XXXX XXXX XXXX Date of First Delinquency : XXXX XXXX, XXXX Account name : ARS ACCOUNT RESOLUTION Amount : {$870.00} ( DUPLICATE ) Account Designator Code : INDIVIDUAL_ACCOUNT Account # XXXXXX  XXXX Account Type : Medical or Health Care Original Creditor Name : XXXX XXXX XXXX Date of First Delinquency : XX/XX/XXXX Please Note : The Above referenced accounts were taken As is from My XXXX  Credit Report as reported by your company. All information utilized in referencing said accounts, including dates, references and/or account numbers ( partial or otherwise ) were duplicated as you have reported to said Bureau to expedite your firms identification and cross referencing of your records based upon the collection accounts that you filed. 

SENT VIA CERTIFIED MAIL To Whom It May Concern : I learned of entries on my credit report alleging debts owed and being collected by your company. This letter is being sent to you in response to said and above detailed listings on my credit report ( s ) by your company. These accounts are unknown to me. 

I am therefore requesting that you validate each of the above listed accounts reported by your company onto my credit file as accurate and belonging to me. 
Additionally, please conduct a full investigation as required under Section 312 of the FACT ACT and respond in writing within the prescribed period of time. 
To save time, please supply the following information for EACH account above, herein listed and referred to ( in whole or in part as per your internal records ) : The original creditor for EACH of these debts The amount claimed as owed for EACH of these debts Who owns EACH these debts if different from the original creditor? 
Please send a copy of the contract authorizing you to collect on EACH of these debts. 
What was the date of the first delinquency of EACH debt listed above? 
Please supply all documents showing why you believe EACH of these debts are accurate and belonging to me. 
Please supply the full payment history on EACH debt. 

I would also like to request that no future telephone contact be made by your offices to my home, cell or to my place of employment. If your office does attempt telephone communication with me it will be considered harassment and I will take the appropriate action. 

All future communications must be done in writing to the above address provided below my name at the top of this communique. 
If you Can not prove that each or all accounts listed herein as accurate, belongs to me, and is not beyond their respective reporting period DELETE said reported accounts immediately from the credit bureaus and close these files in regards to Me. 

PLEASE NOTE : If you should decide NOT to remove these accounts, then consider this as a request for validation and provide all information as requested above regarding Each of the listed bills. Specifically and as well as all documents showing the treatment and diagnosis and itemized medical services that were apparently rendered for EACH bill and/or debt. Also provide all information in your possession concerning EACH account. 

I would like to further alert you to the following Legalities and Scenarios as it relates to your Inaccurate and borderline illegal attempts to attribute unverified debts to my persona to date. 

( a ) I have already disputed said debts, some of which are DUPLICATES through the Three ( 3 ) Credit Bureaus namely, XXXX, XXXX and XXXX as well as the Consumer Financial Protection Bureau ( CFPB ) and XXXX XXXX XXXX as of : ( XX/XX/XXXX ) and you have continued to report these Medical debts which are not mine without providing validation documents as is required by law. 
( b ) I have also reported Identity Theft and at the time of receiving my Annual Credit Reports for XXXX and subsequently on numerous occasions thereafter as noted by each Credit Bureau whereby there is an active ( FRAUD ALERT ) Placed on each. 
( c ) I have received correspondence from your company on XX/XX/XXXX and XX/XX/XXXX respectively ( For the same Debt Amount ) of {$870.00}, stating that you have validated said debts without providing me with any evidentiary documentation for such a claim. 
( d ) I have also been advised that reporting Inaccurate Medical Data or Debts could very well exclude affected Individuals from seeking appropriate medical insurance and or employment and thusly have listed the timeframe which could be attributed to the loss of potential revenue, employment and affordable health care based upon your companys inaccurate listings. 
( e ) I have been further advised that since you have apparently attempted to validate the above listed debts and included information that you are not allowed to have under HIPPA. You may have knowingly violated my privacy rights. 

So, in this regard, if the aforementioned items are not Deleted or Verified in the manner requested from these reports I will have no choice but to file a complaint with the U.S. Health and Human Services Office for Civil Rights ( ORC ) and other state and federal authorities. If you immediately delete these accounts from reporting, I will consider this/these matter ( s ) closed. 
( f ) Whether or not these reported items are deemed inaccurate or not, it should behoove you to know that Florida Law Statutes of Limitations for Medical and other Written Debt reads in part as follows : Contract or written instrument and for mortgage foreclosure : 5 years. F.S. 95.11. The limitations period begins from the date the last element of the cause of action occurred, ( 95.051 ). Almost all other actions fall under the 4-year catch-all limitations period, ( F.S. 95.11 ( 3 ) ( p ) ) .Please do the math and verify the dates of first reported delinquency for each of the Debts that you are attempting to attribute to Me. 

REF : XXXX XXXX XXXX XXXX XXXX   XXXX Confirm by mail your official response and position to this Verification Communique and that you have taken the requested action ( s ). 


Sincerely, _________________ XXXX  SSN : xxx-xx-xxxx C.C. 

XXXX XXXX XXXX XXXX CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) SUPPLEMENTAL INFORMATION : FOR YOUR CONVENIENCE, I HAVE PROVIDED THE MOST RECENT AUDIT FROM MY CREDIT REPAIR LAW FIRM WHICH COINCIDENTALLY ALSO INCLUDES A RECENT DELETION FROM YOUR FIRM AS PER INACCURATE REPORTING : Note Date : XX/XX/XXXX XXXX XXXX Entered By : XXXX Note Title : XXXX Score XXXX Scores/Audit Done/GFE Updated Note Content : Hi, Your Current XXXX Score XXXX credit score are XXXX  - XXXX XXXX- XXXX XXXX - XXXX XXXX XXXX XXXX XXXX incorrect address deleted from XXXX. 
XXXX XXXX XXXX XXXX incorrect address deleted from XXXX. 
XXXX XXXX XXXX XXXX incorrect address deleted from XXXX. 


XXXX XXXX XXXX XXXX incorrect address deleted from XXXX. 


XXXX XXXX XXXX IN XXXX** Un-Paid Collection deleted from XXXX. 
XXXX XXXX XXXX IN XXXX** Un-Paid Collections deleted from XXXX   and XXXX. 
XXXX XXXX XXXX  IN XXXX** Un-Paid Collections deleted from XXXX, XXXX and XXXX. 
XXXX XXXX XXXX IN XXXX** Un-Paid Collections deleted from XXXX, XXXX  and XXXX. 
XXXX XXXX XXXX**** Un-Paid Collections deleted from XXXX, XXXX   and XXXX. 
XXXX XXXX XXXX**** Un-Paid Collections deleted from XXXX, XXXX   and XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX** Un-Paid Collection deleted from XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX** Un-Paid Collection deleted from XXXX. 
ACCOUNT RESOLUTION SERVI - XXXX**** Un-Paid Collection deleted from XXXX.