Product: Debt collection

In response to a denial of an extension of credit, this consumer checked with one or more consumer reporting agencies and discovered the following : 1. On or about XX/XX/XXXX, RSI Enterprises ( hereinafter RSI ) began furnishing negative information about this consumer to one or more consumer reporting agencies. ( See attached Exhibit B, C & D ) 2. As part of RSIs debt collection activities, RSI furnishes information to consumer reporting agencies. As such, RSI is a person or entity subject to regulation and liability under Section 623 of the Fair Credit Reporting Act ( FCRA ), which imposes a series of duties and prohibitions upon any person or entity that furnishes information to a consumer reporting agency. 3. Section 623 ( a ) ( 7 ) of the FCRA requires that persons or entities such as RSI send to this consumer an initial disclosure informing this consumer that RSI may report information about this consumer to one or more consumer reporting agencies. Additionally, Section 623 ( a ) ( 7 ) of the FCRA requires that this disclosure be provided to this consumer in writing, prior to, or no later than thirty days after RSI furnishes the negative information about this consumer to a consumer reporting agency. 4. In connection with the furnishing of negative information about this consumer to one or more consumer reporting agencies, RSI failed to disclose/notify this consumer in writing that it had furnished negative information to one or more consumer reporting agencies, a practice commonly referred to as debt parking. 5. Notice of the debt and that RSI is reporting it is of particular importance to this consumer, the deprivation of which has caused this consumers character, reputation, and/or credit to be unjustly damaged. 6. The acts and practices of RSI alleged within this complaint caused this consumer to send RSI an initial communication on XX/XX/XXXX via certified mail, return receipt requested. ( See attached Exhibits E & F ) 7. Notwithstanding the five ( 5 ) day Notice requirement imposed upon debt collectors such as RSI, in an effort to show good faith, this consumer extended RSI with a period of thirty ( 30 ) days to respond to this consumers initial communication. ( See attached Exhibit A ) 8. Upon information and belief, this consumers initial communication was accepted and received by RSI on or about XX/XX/XXXX. ( See attached Exhibit F ). 9. Despite this consumers efforts to extend RSI with a reasonable amount of time to respond to this consumers initial communication with substantively admissible facts, it appears that RSI has refused and/or failed to respond to this consumers initial communication. 10. As of the date of this complaint, RSI continues to willfully and maliciously furnish negative information about this consumer to one or more consumer reporting agencies. ( See attached Exhibit B, C & D ) In addition to the foregoing, this consumer does not have in her possession a bonafide record of any transactions executed between RSI and this consumer under the alleged account # ( # XXXX ) reflected on this consumers report. Therefore, it is reasonable for this consumer to believe that RSI has falsely represented to one or more consumer reporting agencies that RSI holds an account belonging to this consumer. Furthermore, in the absence of such a record, it is also reasonable for this consumer to believe that RSI has used this consumers identifying information without authority to manufacture into existence the alleged account ( # XXXX ).