Product: Debt collection

On XX/XX/2019, I received a notice that I had a negative mark on my XXXX  credit report from Rash Curtis and associates. At XXXX XXXX that day I reached out to the company to find out what this debt was. I was informed it was from XXXX XXXX XXXX and I informed them that it was not my account and I had no knowledge of that account or that bill. I was informed to send an email to XXXX to begin a dispute. On XX/XX/2019 at XXXX XXXX  I sent the company an email stating I am disputing the charges. On that same day, I also disputed the charges through XXXX and XXXX. 

On Wednesday, XX/XX/2019, I received a notice from XXXX stating the dispute was finalized and the account is accurate so at XXXX XXXX, I called Rash Curtis to find out why it was showing as accurate and why XXXX  was not notified that there is an ongoing dispute over this account. The representative I spoke to acknowledged the account was being disputed, but she said they only had to report to the credit bureaus whether or not the account was accurate and that was all. I also informed her I still had never received any information showing this was my account and she said she would send a request to the company to get an itemized statement and that usually takes about 2-3 weeks. I asked her why this hadnt been started over 2 weeks ago when I started the dispute and she said it hadnt been 2 weeks yet. I told her it had, that I called and started the dispute before I went on vacation and she stated they received the dispute request on XX/XX/XXXX, which I again let her know that since it was the XXXX, that it, in fact, had been over 2 weeks. She let me know they would send a request to the company and they would send me an itemized statement. 

On Thursday, XX/XX/XXXX at XXXX XXXX I received a call from Rash Curtis regarding the debt. According to 809 B from the Fair Debt Collections Act, after a company has been notified of the dispute, they are to cease all collection activity, including phone calls, until the debt collector has received proof of the collections and sent a copy to the consumer. Since I had just spoke to a representative the day before and she said just then that she was going to send a request to the company to get a statement, there is no way that they had mailed me any validation of this account. 
I informed the representative that I was currently disputing the account. He then verified my information to confirm he had the correct address and email address on file so he could send the information. 

Then on the following day, XX/XX/XXXX at XXXX XXXX, I received another call from Rash Curtis, even though I had still not received any validation of the account. I asked the representative if they were going to continue to call me daily, that I had spoken to somebody 2 days ago, and the day before and that I was disputing the charges. I was informed I would no longer be contacted regarding the debt. 

On XXXX XXXX, 31 days past the day Rash Curtis received my dispute request and 44 days since I actually sent in the dispute request, i still had not received any statement or any validation or proof of this debt. According to the Fair Debt Collections Act 809 A, within 5 days of the first initial contact with the consumer, the debt collection agency must send the consumer a written notice containing the amount of the debt and the name of the creditor to whom the debt is owed. Since the initial contact with Rash Curtis was on XX/XX/XXXX, I should have received something from them by XX/XX/XXXX, but since I did call on a Friday, then 5 business days from then would have been by XX/XX/XXXX, but to this day I still have not received any letters of the debt, nor have I received an itemized statement as I was told I would receive. 

On XX/XX/XXXX since i still had not received any proof of validation that the debt was mine i sent an email to the email address provided by Rash Curtis and i also sent a certified letter, which was received XX/XX/XXXX at XXXX  XXXX, requesting that since it has been over 30 days since i had started the dispute and no proof of validity of the debt had been sent, and because they had violated the Fair Debt Collections Act, that they remove the account from my credit reports immediately. 

To this day I still have not received any statements or any proof that the debt was mine, and they still have not removed the accounts from the credit bureaus. When i contacted both credit bureaus, neither of them even saw that I had been disputing the account through Rash Curtis.