Product: Credit reporting or other personal consumer reports

Consumer Complaint Complaint Against : Company : D & A Services Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX Summary of Complaint This complaint concerns the failure of D & A Services to validate multiple alleged debts after receiving a comprehensive written validation request pursuant to the Fair Debt Collection Practices Act ( FDCPA ) on XX/XX/XXXX and XX/XX/XXXX. Despite their response, they failed to meet the legal requirements for validation, ignored specific questions in my request, and unlawfully continued collection efforts and credit bureau reporting. 

Additionally, the Bill of Sale provided proves that XXXX XXXX XXXX owns the debt, NOT D & A Services. There is no documentation proving that D & A Services has been legally assigned these debts or has the authority to collect them. Without proper assignment or ownership, their collection activity violates both federal and state laws. 

Accounts in Dispute 1. Account ( XXXX ) - Amount : {$1300.00} 2. Account ( XXXX XXXX ) - Amount : {$2600.00} 3. Account ( XXXX  XXXX ) - Amount : {$1500.00} 4. Account ( XXXX XXXX ) - Amount : {$1000.00} 5. Account ( XXXX XXXX ) - Amount : {$2400.00} 6. Account ( XXXX ) - Amount : {$3500.00} 7. Account ( XXXX ) - Amount : {$4100.00} Violations by D & A Services 1. Complete Failure to Validate the Debts ( FDCPA, 15 U.S.C. 1692g ( b ) ) The response from D & A Services included only billing statements and a Bill of Sale, neither of which satisfies the FDCPA 's legal requirements for debt validation. Specifically : Lack of Proof of Assignment : The Bill of Sale confirms that XXXX XXXX XXXX, NOT D & A Services, owns the debts. 

There is no legally binding document proving that XXXX XXXX XXXX authorized D & A Services to collect these debts. Without such proof, their collection efforts are baseless.

No Signed Agreements or Proof of Obligation : No contract with my signature was provided, meaning there is no proof I legally owe these debts.

Failure to Provide a Full Breakdown of Charges : D & A Services did not include an itemized accounting of the amounts claimed, including how interest, fees, and charges were applied. 


Failure to Answer Key Questions in Validation Request : My validation request specifically asked for : Proof that these debts are within the statute of limitations. 
Evidence of their legal standing to collect ( state licensing and bonding ). 
Full payment history of each account. 

D & A Services ignored all these requests. 


Supporting Case Law : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Billing statements alone do not constitute validation under the FDCPA. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Debt collectors must provide substantial proof beyond generic statements. 


2. Unlawful Reporting to Credit Bureaus ( FCRA, 15 U.S.C. 1681s-2 ( b ) ) D & A Services has reported these debts to credit bureaus without validating them, violating the Fair Credit Reporting Act ( FCRA ). 

Reporting unverifiable debts is a violation of the FCRA, as it constitutes inaccurate information. 

Credit reports should not include debts that lack a legal chain of ownership. 


3. Improper Collection Activity Without Validation ( FDCPA, 15 U.S.C. 1692g ( b ) ) Despite failing to provide legal validation, D & A Services continued collection attempts, which is a direct violation of the FDCPA.

A debt collector can not continue collection while a debt is in dispute and remains unvalidated.

D & A Services continued collection activity without providing proper validation, violating 15 U.S.C. 1692g ( b ).

Challenges to D & A Services Ability to Validate These Debts 1. Failure to Prove Legal Ownership or Assignment The Bill of Sale proves that XXXX XXXX XXXX owns the debt, but D & A Services has not provided proof of legal assignment.

Without a clear chain of custody, D & A Services has no standing to collect these debts.

2. Failure to Prove Compliance with State Licensing Laws D & A Services has not provided proof of being licensed and bonded to collect debts in South Carolina, which is required for debt collection agencies. 



XXXX. Unexplained Balance Discrepancies The balances claimed are inconsistent with original creditor documentation, and D & A Services failed to justify the amounts they are attempting to collect.